ITIN Loan

⚡️Program Highlights ⚡️

Loan Amounts to $1,500,000

Program Highlights:

Up to 85% LTV

Purchase Up to 80% LTV C/O Refi

Min FICO 660

Loan Amounts to $1,500,000

Tradelines on credit report must be based on ITIN

Max 50% DTI I

TIN DSCR to 75% LTV

Tax Returns or Bank Statements for Self Employed

Tax Returns or VOE for W-2 Employed

DSCR for Investment Properties

ITIN Checklist

ITIN Issuance Letter

Credit Report ran under ITIN w/ Min 2 Fico scores

Min 660 Fico required

3 Tradelines; *1 qualifying tradeline on credit and 2 Non-Traditional ok

1yr Taxes and WVOE for Wage Earners

12 Mos. Bank Statements ok for S/E borrowers

12 Mos. Housing History- Cannot Live Rent Free

2 Forms of I.D

*Consular Card

*Non-US Driver’s License

*Passport

*State Issued ID

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Reviews

"Excellent and thought provoking presentation! Valuable and I highly recommend!"

vicky mcsweeney

"Kayla is my go to lender. She’s always on top of things and great at communicating. I highly recommend going with her!"

cristian hernandez

"Kayla is a well experience agent. Her knowledge and expertise extend to understanding mortgage pricing, creating informative videos, and analyzing pricing charts. Kayla prioritizes your comfort and ensures you're well prepared for home ownership. Her team goes above and beyond to meet your needs and find the ideal home within your budget. I highly recommend choosing Kayla and her team as your agents when buying a home they'll guide you through the process and help you make the right choice."

anthony agustin

"A great team lead by the best in my personal opinion thanks Kayla for the help buying my first house I really will recommend you with my family and friends!"

guape1978

"Kayla is amazing, and professional. Her positive attitude towards her clients is appreciated. She learns her clients need carefully and assist them accordingly towards their need. Kayla is always available to listen, take appropriate action to resolve any issues along the way to make sure her clients buy the house that they can afford and wanted. My husband and I always appreciate her outstanding quality. Wishing you success, Kayla. We like our house very much. Thank you for your service."

marian perera

"Kayla was a pleasure to work with! She was knowledgeable and hardworking which as an agent I appreciated. She went above and beyond for our clients and got them into the house they wanted. Thank you Kayla!!"

nic morreale

"She stayed on top of things and was always in communication with you. The process was a breeze despite numerous challenges given to her. Highly recommend"

paula vu

"Kayla inspired trust, give you the serenity that take away the fear of being a first time buyer, she make sure you are 1 step forward in the proces"

leo lopez