ITIN mortgages are for people who live and work in the United States and file their income on a U.S. Tax Identification Number (ITIN) because they do not have a valid social security number, or can’t document their immigration status or have an expired visa. DACA and Dreamers are also covered by our ITIN program.

• Minimum loan amount $125,000
• Matricula Consular, Drivers License (Foreign or US), or other government-issued ID is acceptable
• Primary and secondary residences, or investment properties
• Two most recent years of tax returns on ITIN
• Employment and asset verification
• No mobile/manufactured homes
• Max LTV up to 85%

Foreign National mortgages are for citizens of other countries who earn their income in their country of origin but want to purchase a residence in the United States.

• Primarily have income, employment, credit, and residency in a country other than the U.S.
• U.S. tourist visa acceptable
• Primary and secondary residences, or investment properties
• Foreign credit report or 3 to 4 foreign alternate credit letters
• Single purpose entity (LLC or Corporation) OK
• No mobile/manufactured homes
• Max LTV up to 75%

Our Jumbo rates are highly competitive. Jumbo programs are underwritten as full-doc mirroring FNMA guidelines.

• Loan amounts up to $3,000,000
• Primary and secondary residences, or investment properties
• DSCR OK for investment properties
• Minimum 660 FICO
• Max LTV up to 90%
• SFR and Condos

Self-employed mortgages are generally for borrowers that don’t make their income through a W-2 or corporate job.

• Newly self-employed acceptable
• 12 Months personal bank statements
• Primary and secondary residences, or investment properties
• DSCR OK for investment properties
• Minimum credit score is 660
• Single purpose entity OK
• No mobile/manufactured homes
• Max LTV up to 90%