SPECIALTY & ALTERNATIVE FINANCING

Our ITIN loan programs provide accessible, flexible mortgage financing tailored for hard-working individuals and families who pay federal taxes using an Individual Taxpayer Identification Number.

• No Social Security Number Required: Qualify using your valid, IRS-issued ITIN card or assignment letter.
• Alternative Income Documentation: Flexible underwriting options that accept 12 to 24 months of bank statements, W-2s, or tax returns filed under your ITIN.
• Credit Building Options: Credit history can be established using non-traditional lines of credit, such as rental payment history, utility bills, and regular auto insurance payments.

Navigating foreign exchange rates, foreign credit profiles, and international documentation shouldn’t stand between you and your investment goals.

Our foreign national financing programs offer streamlined lending solutions for non-U.S. citizens seeking to build a real estate portfolio or purchase a holiday home in the States.

• No U.S. Credit History Needed: Qualification is based on international asset verification, liquid reserves, or property cash flow rather than a domestic credit score.
• Flexible Identification: Simple documentation requirements using your valid foreign passport and government-issued identification from your home country.
• Eligible Property Types: Tailored for non-owner occupied properties, including residential investment homes, multi-family units, short-term rentals, and seasonal vacation homes.