ITIN Loans
Do you need to use your ITIN to buy or refinance a home? We have great loans for our ITIN borrowers.
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ITIN Loan: Program Highlights & Borrower Benefits
An ITIN Loan is designed for borrowers who use an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number to file taxes.
This program allows non-U.S. citizens and self-employed borrowers to qualify for home financing using alternative documentation.
Homeownership isn’t limited by your citizenship status — it’s supported by your financial strength.
Program Features
Loan Amounts: Up to $2,500,000 depending on profile
ITIN Required: Must have valid ITIN
Min Credit Score: Typically 680+
Credit Options: Traditional credit or alternative credit history accepted
Down Payment: Starting at 20% depending on credit and occupancy
Property Types: Single family residence, condo, 1-4 units
Income Documentation: Tax returns, bank statements, or alternative documentation
Occupancy: Owner-occupied only
Reserves: Typically 3–12 months depending on loan size
No Social Security number required.
Alternative credit allowed.
Flexible documentation options.
Approval is based on stability — not immigration status.
Program Highlights
Loan Amounts: Up to $2,500,000 depending on profile
Min Credit Score: Typically 680+
Down Payment: Starting at 20% depending on credit and occupancy
Income Documentation: Tax returns, bank statements, or alternative documentation
ITIN Required: Must have valid ITIN
Credit Options: Traditional credit or alternative credit history accepted
Property Types: Single family residence, condo, 1-4 units
Occupancy: Owner-occupied only
Reserves: Typically 3–12 months depending on loan size
No Social Security number required.
Alternative credit allowed.
Flexible documentation options.
Approval is based on stability — not immigration status.
How It Works
Apply Online
Get Approved
Fund
Apply Online
Get Approved
Fund
Equinox Makes ITIN Financing Clear & Confidential
At Equinox, we understand ITIN borrowers often have:
- Strong income
- Limited traditional credit history
- Self-employment
- Cash-based businesses
- Concerns about documentation
We guide you through:
- Credit profile review
- Income qualification strategy
- Documentation checklist
- Down payment sourcing
We handle these files with precision and discretion.
Because this isn’t just a transaction.
It’s a milestone.
Why Choose a ITIN Loan?
If you file taxes and can document income, you may qualify.
Financial responsibility matters more than paperwork labels.
We are the Alternative Mortgage Financing Experts.
Funded Home Loans
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Application to Closing Conversion
Funded Home Loans
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Application to Closing Conversion
Answers to Your Questions
What is a Jumbo Loan?
Is My Credit Score a Factor in Getting Approved?
What Kind of Loan Terms Do You Offer?
How Do I Get Qualified?
What Type of Properties Can I Finance?
Our Latest Funded Loans
Los Angeles, California
Bank Statement Loan
10% Down Payment
$1,200,000 Loan Amount
Tampa, Florida
Bank Statement Loan
25% Down Payment
$475,000 Loan Amount
Plano, Texas
2 Year 1099 Loan
15% Down Payment
$505,000 Loan Amount
Check out our Hundreds of 5 Star Reviews
What Are You Waiting For?
Call us today. A licensed representative is on standby to help you with your financing needs. There's no need to wait any longer.
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