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ITIN Purchase / Rate & Term Refinance / Cash-Out

Products and Terms:
30-Yr Fixed: Self-Amortizing
15-Yr Fixed: Self-Amortizing

Primary Residence/ Second Home / Investment
Purchase and Rate & Term Refinance
1-2 units, Condo, Manufactured Double-Wide

(Example based on 720 min credit score)
90% to $ 647,200.00 (90% ON HOLD 09-23-22)
85% to $ 750,000.00
80% to $1,000,000.00
75% to $1,500,000.00

Primary Residence / Second Home
Cash-out Refinance
1-2 units, Condo, Manufactured Double-Wide

(Example based on 720 min credit score)
Loan amounts and loan to value limits:
75% to $1,000,000.00

  • Eligible borrowers: Reside in the United States for 6 months with valid ITIN.
  • Maximum debt to income ratio: <43%-50% debt-to-income (DTI)
  • Minimum credit score: 680. No foreclosure, bankruptcy, deed in lieu or short sale permitted in the past 24 months. If
    foreclosure, bankruptcy, deed in lieu or short sale between 24 and 48 months, then max 65% loan-to-value (LTV) and reserves increased
    by 6 months.
  • Mortgage and Rental History: maximum 1 x 30 x 12 with 0 x 30 in the last 6 months from Note Date. LTV >80% requires 12-month rental rating.
  • Acceptable occupancy: Primary residences, second homes, investment
  • Acceptable property types: 1-2 units, warrantable / non-warrantable condos, manufactured double-wide
  • Required reserves: 6 months principal, interest, taxes, insurance, and association dues (PITIA) for loan amount ≤ $1.5MM
  • Other Info: Gifts permitted and must conform to all Fannie Mae gift requirement


Approved to do loans in California, Colorado, Montana, Texas, and Washington only