ITIN Mortgage Program
Non-QM loan program for ITIN borrowers offering up to 85% LTV for purchases and 65% LTV for cash-out refinances with loan amounts up to $1.5 million.
Underwriting at a glance
- Minimum FICO
- 660+
- Max LTV (purchase / rate-term)
- 85%
- Max LTV (cash-out)
- 65%
- Loan amount
- ? - $1,500,000
- Documentation
- alt-doc, full-doc, 12mo-bank-stmt, wvoe, dscr-only
- States
- most states
Highlights
- •Up to 85% LTV on purchase transactions
- •Max 50% DTI
- •Requires at least one tradeline on credit report
- •Credit must be based on ITIN
- •Up to 85% LTV on purchases
- •Up to 65% LTV on cash-out refinances
- •Loan amounts up to $1,500,000 with minimum FICO of 660
- •Tax returns, bank statements, WVOE, or DSCR options available
- •Up to 85% LTV purchase options for ITIN borrowers
- •Loan amounts up to $1,500,000
- •Max 50% DTI options available
- •Tax returns, bank statements, or WVOE income qualification
- •Up to 85% LTV for purchase transactions
- •Up to 65% LTV for cash-out refinance
- •Maximum 50% DTI options available
- •Tax returns, bank statements, WVOE, and DSCR options available
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 9/17/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.750%
6.789% APR
FHA
6.250%
6.282% APR
VA
6.250%
6.281% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.