Achieve homeownership using an Individual Taxpayer Identification Number. Built for hardworking individuals who pay U.S. taxes without a Social Security Number.
Qualify using an active Individual Taxpayer Identification Number (ITIN) along with standard government-issued photo identification.
Demonstrate qualifying income using W-2 forms, 1099 statements, tax returns, or 12 to 24 months of personal/business bank deposits.
Finance single-family homes, townhouses, condominiums, or multi-unit properties for primary residence or investment use.
Traditional credit scores accepted, or qualify using non-traditional history such as rent payments, utility bills, and insurance records.
Access structured loan terms with flexible down payment tiers starting as low as 10% to 15% depending on credit profile.
Secure stable 15-year or 30-year fixed-rate mortgages to ensure predictable, consistent monthly payments long-term.
Eligible programs allow down payment assistance or gift funds provided by family members to cover upfront closing expenses.