ITIN Mortgage Program
Non-QM ITIN loan program for purchase and cash-out refinance, offering up to 85% LTV and loan amounts up to $1.5 million.
Underwriting at a glance
- Minimum FICO
- 660+
- Max LTV (purchase / rate-term)
- 85%
- Max LTV (cash-out)
- 80%
- Loan amount
- ? - $1,500,000
- Documentation
- alt-doc, full-doc, wvoe, dscr-only, 12mo-bank-stmt, 24mo-bank-stmt
- States
- most states
Highlights
- •Up to 85% LTV on purchase
- •Up to 80% LTV on cash-out refinance
- •Tradelines on credit report must be based on ITIN
- •Maximum 50% DTI
- •Options for tax returns, bank statements, WVOE, or DSCR
- •Up to 85% LTV on purchases
- •Up to 65% LTV on cash-out refinances
- •DSCR options available for investor properties
Want to see if you qualify?
Tell us about your scenario - we'll come back with current pricing and exact guidelines.
Program guidelines and rates can change at any time without notice. Last confirmed 5/20/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
5.875%
5.906% APR
FHA
5.375%
5.405% APR
VA
5.375%
5.402% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.