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ITIN Borrowers · Primary & Second Home

Total ITIN

Full-Doc and Alt-Doc financing for ITIN borrowers — W2/Tax Returns, Bank Statements, 1099, or WVOE. $150K to $1.5M with flexible tradeline requirements and no U.S. credit event seasoning.

  • 80% Purchase
  • 75% Cash-Out
SCORE
660
80% Purchase
Max Loan
$1.5M
75% Cash-Out
Max LTV
80%
—
Max DTI
50%
All doc types

Guidelines effective 2025-07-01.

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Highlights

What makes this program work

  • ITIN Loans from $150K+
  • Primary & Second Home
  • 80% Purchase Money
  • 75% Cash-Out
  • Full Doc: 1 or 2-Years
  • Alt Doc: 12m Bank Stmnts
  • 1-Year 1099 Only or WVOE (w/ 2 mo. bank stmts)
  • Max DTI 50% across all doc types
  • 15, 30 yr Fixed · 40 yr Fixed w/ 10-yr IO
  • SFR · 2-4 Units · Condo · Non-Warrantable · CondoTel · Rural
  • Gift Funds 100% of Closing Costs & Down Payment
  • First-Time Home Buyers Allowed
  • Cashout allowed for reserves
  • No US credit event seasoning required
Ideal scenarios

When to reach for ITIN Loans

  • ITIN borrowers buying or refinancing primary or second homes
ITIN Loans matrix

LTV / CLTV matrix

Max LTV by FICO, loan amount, and scenario. Live matrices are published in the TQL partner portal and updated in lock-step with underwriting.

LTV Matrix

Max LTV by FICO, loan amount, and scenario

FICOLoan AmountPurchaseRate/TermCash-Out
≥ 700≤ $1,500,00080%80%75%
680≤ $1,000,00080%80%70%
680$1,000,001 – $1,500,00075%75%70%
660≤ $1,000,00075%75%70%
660$1,000,001 – $1,500,00070%70%65%

Property Type LTV Caps

Overlay caps for specific property types

Property TypeLoan AmountPurchaseRate/TermCash-Out
2-4 Unit, CondoTel≤ $1,500,00070%70%65%
FN-Declining Markets≤ $1,500,00075%75%70%
Program Details

Total ITIN · QR Guide

ITIN Loan Amounts
Min $150,000 · Max $1,500,000
Credit Score / Tradelines
  • Use the primary wage earner's score · Middle of 3 scores · Lower of 2
  • Min: 2 reporting 24-months w/ activity in last 12 months, OR
  • 3 reporting 12-months w/ recent activity, OR
  • 1 mortgage/installment/revolving reporting 36-months w/ activity in last 6 months
  • If the primary borrower has three (3) credit scores, the minimum tradeline requirement may be waived
Eligible Borrower Citizenship
  • ITIN borrowers must have an unexpired government-issued ID (e.g., passport, U.S. state-issued ID)
  • Copy of ITIN card or letter from IRS assigning the ITIN number to the borrower
  • Proof ITIN was assigned to the borrower prior to application
  • IRS Form W-7 must be accompanied by the most recent filed ITIN letter of intent
Occupancy
Primary Residence, Second Home
Income Doc Type
  • Full Doc: Standard 1 or 2-Year W2 or Tax Returns
  • 12 or 24-Months Bank Statements (must be self-employed for 24 months)
  • 1-Year 1099 Only w/ 2 months of bank statements to support income
  • 1 or 2-Year WVOE Only w/ 2 months of bank statements to support income
Debt Ratio
Max DTI 50% (all income doc types)
Mortgage Rating
Refinance: 0x30x12/24 for the subject property
Credit Event Seasoning
N/A — U.S. credit not applicable
Reserves
  • < $1.49M: 6 months
  • ≥ $1.50M: 12 months
  • Cashout allowed for reserves
Loan Products
15 yr Fixed · 30 yr Fixed · 40 yr Fixed w/ 1st 10 yr Interest-Only
Property Type
SFR · 2-4 Units · Condo · Non-Warrantable Condo · CondoTel · Rural (contact Sales)
ACH & Escrow Account
Will be sent out to be executed at closing
Cash-Out Refinance
  • LTV > 50.01% — Maximum $300,000
  • LTV ≤ 50% — Maximum $750,000
Gift Funds
  • Allowed to cover 100% of the borrower's closing costs & down payment
  • Gift funds may not be used for reserves
First-Time Home Buyers
Allowed
Acreage
Maximum 20 acres
Asset Seasoning
30 days in a U.S. institution · Large deposits must be sourced
Escrow Accounts
All ITIN loans require escrow accounts. HPML loans require escrows for property taxes, hazard insurance, and flood insurance.
ITIN Loans guidelines

Full guidelines and product guide

The complete ITIN Loans guideline matrix lives in the TQL partner portal — open it for the full searchable experience.

Open ITIN Loans guidelinesAsk a senior AE
ITIN Loans FAQ

Common scenarios and answers

  • ITIN borrowers buying or refinancing primary or second homes