ITIN Mortgage Program
Non-QM and ITIN loan programs now allowing rural properties for primary residences and second homes with specific LTV and loan amount restrictions.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 70%
- Max LTV (cash-out)
- -
- Loan amount
- ? - $1,000,000
- Documentation
- alt-doc
- States
- most states
Highlights
- •Rural properties allowed for primary residences and second homes
- •Maximum LTV of 70% for primary residences
- •Second home rural property LTV up to 65% with $400k limit
- •Transferred appraisals are not allowed
- •Cash-out transactions are ineligible for rural 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 5/16/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.125%
6.164% APR
FHA
5.500%
5.531% APR
VA
5.500%
5.530% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.