FLORIDA’S PREMIER MORTGAGE COMPANY

To qualify for an ITIN home loan, adhere to the following key requirements:

1. Down Payment: Depending on your credit score, a minimum down payment of 15% is necessary. Both cash and gift money are acceptable financing sources.
2. Lender Programs: Numerous banks in the United States offer ITIN programs, with a common minimum down payment requirement of 15%. These lenders also accept tax returns, bank statements, and credit card statements as valid documentation for loan approval.
3. Tax Return Submission: Provide a minimum of two years’ worth of tax returns, demonstrating a consistent work history under your ITIN number.
4. Credit Score: While a minimum credit score of 600 is preferable, it is not mandatory. ITIN applications are accepted even with no credit score.
5. Employment Verification: Submit the last 30 days’ pay stubs as evidence of employment.
6. Self-Employed Individuals: If you are self-employed, present your bank statements for the past 12 months as an alternative to tax returns.