ITIN Mortgage Program
ITIN loan program for purchase and rate-term refinances with options for self-employed or W-2 borrowers, as well as DSCR options for investment properties.
Underwriting at a glance
- Minimum FICO
- 660+
- Max LTV (purchase / rate-term)
- 85%
- Max LTV (cash-out)
- 65%
- Loan amount
- ? - $1,500,000
- Documentation
- 12mo-bank-stmt, p-and-l, wvoe, dscr-only
- States
- most states
Highlights
- •Up to 85% LTV for purchase and rate-term refinances
- •Up to 65% LTV for cash-out refinances
- •Tax returns or 12-month bank statements for self-employed
- •Tax returns and WVOE for W-2 employed
- •DSCR option available for investment 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 5/10/2026. 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.