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This loan program offers the opportunity to apply for a mortgage even if you don’t have a social security number. If you have an Individual Tax Identification Number (ITIN), regardless of your immigration status, both resident and nonresident individuals may have U.S. tax returns and payment responsibilities. The IRS issues ITINs to individuals who are required to have a Taxpayer Identification Number and cannot obtain/are not eligible to receive a Social Security Number. Your ITIN allows you to take out a tax id loan- in which you do not need to show legal residency. Your credit history is evaluated based on your ITIN by making successful transactions and making reoccurring bill payments.
Once you’ve successfully obtained your ITIN, the key to getting a Tax-ID loan is having all the proper documentation such as your income payment history, as well as having saved a significant amount of funds that can financially support this mortgage loan. ITIN loans have high-interest rates, so preparing correctly for this financial situation will benefit you in the long run. An ITIN loan down payment can be almost as much as 20% of the total value of the house. The advantage of the ITIN programs so you don’t need the following to qualify:
ITIN loans typically have higher interest rates, so preparing correctly for this financial situation will benefit you in the long run. An ITIN loan down payment can be almost as much as 20% of the total value of the house.
QMG can assist you in this process by briefing you on the details of the loan and examining your credit history to make sure you understand the terms. Your credit history is evaluated by looking at your actual credit gained by the use of an ITIN, making successful transactions, and looking at your monthly bills. If you’d like to learn more and see if you’re eligible, contact our skilled team at Quintessential Mortgage Group today.
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