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Home ITIN

ITIN Mortgage Program – Loans Without Social Security Number

by Nicholas Auriemma, NMLS# 1455001
5 years ago
in ITIN, Purchase
ITIN Mortgage Program – Loans Without Social Security Number

ITIN Mortgage Program – Loans Without Social Security Number

The ITIN mortgage program is designed to help you if you have a Tax Payer Identification Number (ITIN), but no social security number (non-resident alien mortgage loans). Full or alternative documents are accepted for US mortgages for non-residents.

US Mortgages for Non-Residents – Down Payment

  • Loan-to-value up to 90% for ITIN mortgage loans without social security number.
  • If you have a work VISA, lower down payment options are available.
  • Lower down payment options are available through the Foreign National mortgage.

Program Overview

  • Fixed rate home loans with 15, 20, or 30 year term for non-resident alien mortgage loans.
  • Debt-to-income up to 55%.
  • 12/24 month bank statement program available (personal or business).
  • Most property types accepted.
  • 100% gift funds allowed (up to 80% loan-to-value).
  • Competitive interest rates.
  • Fast turn times.

Income and Credit

  • Temporary agency income acceptable.
  • Alternative forms of credit documentation, such as utility and phone bills are acceptable for non-resident alien mortgage loans.
  • Financing available with land contract/lease with option to buy.

Non-Resident Alien Mortgage Loans

We have other ITIN programs for borrower, but this program allows:

  • Only ITIN numbers.
  • No Social Security Number.
  • Non-permanent aliens.
  • No work VISA.

There are no laws that exist or restrict borrowers to be offered mortgage loans for non-citizens.

Editor’s Note: This article has been translated to Spanish. To view ITIN Compra sin Seguro: Click Here

Non-Qualified Mortgages

Non-Qualified Mortgages (Non-QM) do not follow agency guidelines and program guidelines vary by lender. They are based on a more common-sense approach to underwriting and the belief that you have the ability to repay the loan.

Non-Resident Alien Mortgage Loans – Documents

You can run your case scenario by a licensed Loan Originator and they will put together a list of documents required during the pre-approval process. Basic documents for the US Mortgages for Non-Residents (ITIN mortgage program) may include:

  • Income documentation.
  • Photo ID.
  • ITIN documentation as applicable.
  • One month recent pay stubs.
  • Most recent year W2 and tax return.
  • Two months bank statements.

The application checklist may vary, but a Loan Originator can put together a list of documentation after going over your case scenario for the ITIN mortgage program.

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Nicholas Auriemma, NMLS# 1455001

Nicholas Auriemma, NMLS# 1455001

Nicholas Auriemma is a Loan Originator at Nationwide Mortgage & Realty, LLC, providing information on mortgages that can often be confusing even to real estate and mortgage professionals. Borrowers can be discouraged because mortgage professionals can be mistaken due to guidelines always changing, the extent of guidelines, their company having an overlay (stricter guideline), or other lenders not offering a loan program. Call or text Nick anytime at 630-779-8430 or email at nick@nationwidemtg.net.

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Restrictions may apply. All loans are subject to credit, underwriting and property approval guidelines.  Nationwide Mortgage & Realty, LLC is not acting on behalf of or at the direction of HUD/FHA or any government agency. CO: Check license status of your mortgage loan originator at www.dora.state.co.us/real-estate/index.htm. Also licensed in: CA, FL, IN, NC, TN, VA, WI and TX: NMLS ID 276777. Virginia law says that finance charges may be higher in a refinance. Illinois Residential Mortgage License | MB. 6760210. WA: Consumer Loan License MB-276777. GA: Georgia Residential Mortgage Licensee 60857. MN: This is not an offer to enter into an interest rate lock agreement under Minnesota Law.

  • Home
  • Request Information
    • Apply Now
  • About Us
    • Career Opportunities
    • Contact Us
    • Meet the Team
  • Purchase
    • Conventional Loan
    • Condotel & Non-Warrantable
    • FHA Loan
    • FHA 203k
    • Fix & Flip
    • Investment
    • Jumbo & High Balance
    • New Construction
    • Non-QM Loans
    • USDA Loan
    • VA Purchase Loan
  • Refinance
    • Cash Out & Debt Consolidation
    • Conventional Refinance
    • Condotel & Non-Warrantable
    • FHA 203k
    • FHA Streamline Refinance
    • Investment
    • Non-QM Loans
    • Reverse Mortgage
    • VA IRRRL
  • Loan Process
    • Application Checklist
    • Credit Report
    • Home Buying Do’s and Don’ts
    • Interest Rates
    • Mortgage Calculator
    • Pull Credit
  • Mortgage Blogs
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​Oakbrook Terrace, IL 60181
NMLS # 276777
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