Video Gallery

Loan Expert Team

ITIN Loans: Homeownership for Foreign Nationals & Non-US Residents

Own your dream home in the U.S. with an ITIN mortgage. Flexible terms, no SSN required, and expert guidance for foreign nationals and non-residents.

I need a Non-QM home loan.

I need a Home Purchase Loan

I’m a First-Time Home Buyer.

I need an FHA home loan.

I Need to Refinance my Home Loan

I need a second home loan (HELOC)

I need an Investment Property loan.

ITIN Loans: Your Pathway to U.S. Homeownership Without an SSN

Are you a non-U.S. citizen or resident alien looking to purchase property in the United States? Do you have an Individual Taxpayer Identification Number (ITIN) but not a Social Security Number (SSN)? Ameritrust Mortgage understands your unique needs and offers flexible ITIN loans to help you achieve your American dream of homeownership.

Traditional mortgage lenders often require a Social Security Number for loan approval, making it challenging for foreign nationals and non-U.S. residents to secure financing. Our ITIN loan programs break down those barriers, offering tailored solutions for your specific financial circumstances.

What are ITIN Loans?

ITIN loans, also known as foreign national mortgages or non-resident alien mortgages, are specialized mortgage products designed for individuals who have an ITIN instead of an SSN. These loans provide a pathway to homeownership for those who may not be eligible for traditional mortgages due to their immigration status
ITIN loans offer a variety of benefits, including flexible documentation requirements, competitive interest rates, and the ability to finance a wide range of property types. They are an excellent option for foreign nationals, non-resident aliens, and even U.S. residents who are not eligible for an SSN.

Client Satisfaction Rate

Years of Industry Experience

Faster Loan Approvals

$0+

Billion in Funded Loans

Who Qualifies for an ITIN Loan?

ITIN loans are designed for individuals who meet the following criteria:

ITIN Holders: You must have a valid Individual Taxpayer Identification Number (ITIN) issued by the IRS.
Non-U.S. Citizens or Resident Aliens: You may be a foreign national, a non-resident alien, or a U.S. resident who is not eligible for an SSN.
Creditworthiness: You must demonstrate your ability to repay the loan through credit history or alternative forms of credit verification.
Income and Asset Verification: You'll need to provide documentation of your income and assets, which may include bank statements, employment letters, or foreign tax returns.

Ameritrust Mortgage ITIN Loan Programs: Homeownership Dreams with Flexible ITIN Loans – No SSN Required!

At Ameritrust Mortgage, we're committed to making homeownership a reality for everyone, regardless of their immigration status. Our ITIN loan programs are designed to meet your unique needs and provide you with the financial tools to achieve your goals.

The Ameritrust Mortgage Benefit:

Benefits of ITIN Loans

ITIN loans offer several key advantages:

No SSN Required:

o You can qualify for a mortgage without a Social Security Number.

Flexible Documentation:

o We accept various forms of income and asset documentation, including foreign documents.

Competitive Rates:

o Our ITIN loan programs offer competitive interest rates.

Diverse Property Options:

o You can finance a primary residence, second home, or investment property.

Building Credit History:

o Owning a home through an ITIN loan can help you establish and build your credit in the U.S.

Homeownership Dreams with Flexible ITIN Loans – No SSN Required!

Flexible Eligibility:

o We understand the unique financial situation and offer flexible eligibility criteria.

ITIN Friendly Financing:

o Design for individuals with an ITIN instead of an SSN.

Home Purchase & Refinance:

o Whether you are buying your first home or refinancing, we have options for you.

Competitive Rate:

o Enjoy Competitive interest Rate tailored to ITIN borrowers.

Key Features of ITIN Loans

ITIN Loans to 80% LTV
ITIN Bank Statement Deals
ITIN NOO, Second Homes
Asset Utilization Dividing by 36 and 60 Months
Asset Utilization Feature to 90% LTV
Expanded Credit Down to a 640 FICO Score
85% LTV Cash Out
Unlimited Cash Out

Eligible Property types:

Cash Out Counts Towards Reserves on All Products
Second Homes and NOO to 85% LTV
No Tradeline Requirement if Primary Wage Earner Has 3 Scores
Foreign Nationals to 75% LTV
Non-Permanent Resident Aliens Can use all products, Not Full Doc, Only to 90% LTV
DU Findings Now Accepted on Selected Products
12 Months or More Out of BK
Condotels