For Customers with ITIN Verification

ITIN LOANS

Loans for individuals using their Individual Tax Identification Numbers (ITINs) are available to those who do not possess Social Security numbers or green cards, nor work visas or other forms of employment authorization documentation, nor are they citizens of the United States and who have ITINs.

Accessible Home Loans

Down payments as low as 10%
Flexible qualification guidelines
Eligible financing for purchase, cash-out and no cash-out refinance

By refinancing your existing loan, your total finance charges may be higher over the life of the loan.

IAI Flexible Loan Options

30-year loans
Fixed-Rate loans
For primary residence or second home
For single-family residence, condominium or 2-4 units
Available to first-time or seasoned homebuyers

A Fixed-Rate Mortgage has an interest rate that remains the same for the life of the loan.

For Loan-to-Value Ratio of 80% or Less

For primary residence or second home
Loan amounts up to $400,000
Minimum 620 credit score
Other qualifications available for clients with no credit score
Maximum Debt-to-Income (DTI) ratio of 50%
24 months of income history
Three months housing expense reserves*

*Savings or a liquid asset set aside to cover unexpected costs or future financial obligation

For Loan-to-Value Ratio of 80.01%-85%

For primary residence or second home
Rural properties permitted
Loan amounts up to $400,000
Minimum 700 credit score
Other qualifications available for clients with no credit score
Maximum Debt-to-Income (DTI) ratio of 50%
24 months of income history
Three months of housing expense reserves*

*Savings or a liquid asset set aside to cover unexpected costs or future financial obligation

For Loan-to-Value Ratio of 85.01%-90%

For primary residence or second home
Rural properties permitted
Loan amounts up to $350,000
Minimum 720 credit score
Other qualifications available for clients with no credit score
Maximum Debt-to-Income (DTI) ratio of 43%
24 months of income history
Six months of housing expense reserves*

*Savings or a liquid asset set aside to cover unexpected costs or future financial obligation

For Cash-Out Refinance

For primary residence
Maximum Loan-to-Value (LTV) ratio of 75%
Loan amounts up to $350,000
Minimum 660 credit score
Other qualifications available for clients with no credit score
Maximum Debt-to-Income (DTI) ratio of 43%
24 months of income history
Three months of housing expense reserves*
By refinancing your existing loan, your total finance charges may be higher over the life of the loan.

*Savings or a liquid asset set aside to cover unexpected costs or future financial obligation

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