Must have a valid ITIN issued by the IRS. Minimum 2 years of US tax filing history with the ITIN. Proof of income (US or foreign-based). Minimum 20-25% down payment. Bank statements showing 2-3 months of reserves. Alternative credit accepted: 12 months of rent payments, utility bills, or auto insurance payments showing on-time history.
No Social Security Number required — ITIN is sufficient
Alternative credit history accepted (rent, utilities, insurance)
Down payments as low as 20% for qualified borrowers
US-based or foreign income accepted for qualification
Primary residence purchases eligible (not just investment)
Fixed-rate loans available with 15 and 30-year terms
Provide your ITIN, 2 years of tax returns filed with that ITIN, and proof of income
Submit alternative credit documentation: 12 months of rent, utility, and insurance payment records
We evaluate your profile and match you with ITIN-friendly lenders in our network
Receive pre-approval and begin your property search with a clear budget
Close on your property — typical timeline 30-45 days from application
Talk to a foreign national mortgage expert today.
