ITIN Loan 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%
- Minimum DSCR
- -
- Loan amount
- ? – $1,500,000
- Documentation
- alt-doc
- Property types
- -
- 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
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 5/11/2026. Not a commitment to lend. NMLS info available on request.