ITIN HOME LOANS
Designed for borrowers who file taxes with an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number.
Key Features
ITIN Accepted | Purchase & Refinance | No Social Security Number Required
Why EHGM's ITIN Loans Are Different​
We structure ITIN loans upfront by reviewing documentation, income methods, and lender‑specific requirements early in the process. This proactive approach helps reduce conditions, avoid delays, and create a smoother path to closing.
Lower Fees, More ITIN Buying Power
As a mortgage brokerage, we shop multiple ITIN‑friendly lenders rather than relying on a single bank. This allows us to find competitive pricing, lower fees, and flexible terms—helping maximize your buying power without unnecessary markups.
More Loan Options, One Application
ITIN loan guidelines vary widely. We compare multiple programs offering different income documentation options—such as W‑2s, bank statements, or alternative income verification—so you get more ways to qualify from one simple application.
Faster Turn Times & More Flexible Processes
We work with lenders experienced in ITIN underwriting who offer efficient processes and responsive communication. This flexibility allows us to adapt quickly when documentation changes and keep your loan moving with fewer delays.
​100% of clients work directly with a licensed advisor — never a call center.
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ITIN Home Loans Criteria
What you can expect
Max Loan Amount
$75K to $1.5MM+ (loan limits will vary by lender).
Purchase, Refinance, & Cash-Out
Minimum 30% down payment. Refinance and cash-out up to 70% Loan-To-Value (LTV).
Credit
Minimum 660+ FICO.
Citizenship
ITIN borrowers only.
Income
No income limit. Max debt-to-income ratio is 50%.
Assets & Reserves
Assets must be sourced and seasonsed for 60 days. Minimum 3 months reserves required. Gift funds are allowed.