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Dodie, Other/Just Looking in Sacramento, CA

What lenders are providing mortgage loans for borrower with ITIN number and is a Visa required in addition to the ITIN number?

Asked by Dodie, Sacramento, CA Wed Oct 9, 2013

Help the community by answering this question:


I live in new jersey looking to get a loan for a house investment, I have no social security no visa, I do have Itin number. Anybody around new jersey?
1 vote Thank Flag Link Sat Aug 9, 2014
There are lenders like myself that offer loans for this particular situation. One loan to consider is the Foreign National Loan. These loans are meant for non-residences/citizens or individuals without a visa or social security number seeking a home loan in the United States. Also, this type of loan usually requires about 20% down or more depending on the documents you have available so be prepared for that. I recommend speak with a lender like myself to help get you started. I would be glad to speak with you to help you get the loan that you need. Well I hope this helps! If you have any other questions or if you would like a loan, feel free to contact me. Good Luck! Brian Nguyen Sr. Mortgage Banker NMLS # 659743 Phone: 949.667.2887
1 vote Thank Flag Link Fri Feb 14, 2014
I am looking for a loan for people that are here working and paying their taxes but are here illegally and don't have permission to work but do have an ITIN number that gives them permission to pay taxes. I am a mortgage lender in St. George, Utah. I have not got a loan for these people and would like to find an outlet for them. My name is Steve Stout and my email is Thanks!
Flag Sat Mar 1, 2014
Hello, I need to know about these lenders in Colorado, If someone has information please help me. Thanks
0 votes Thank Flag Link Tue Apr 5, 2016
I have found only one lender that will do this type of loans; I am in Orange County California. I can share this info with anyone who is interested. (951) 712-7372 Thanks
0 votes Thank Flag Link Tue Feb 2, 2016
I live in santa Barbara county and looking for a mortgage loan but I dont have a SSN, but I do have ITIN number and excellent credit score. Does anybody know of any lenders in my area??
0 votes Thank Flag Link Mon Jan 4, 2016
I work in Los Angeles, Riverside and San Bernardino. I know is not easy task, but it is possible, if the prospect buyers comply with the requirements that the Bank requires.
0 votes Thank Flag Link Mon Aug 3, 2015
The lender that i found doesn't need visa
My name is German Vera Garcia, I am a Century 21 Real Estate Agent with BRE Lic # 01875480, i helped one family last year to buy a home, They have an ITIN, no legal status here, for more information please contact me at 909-547-4170,
0 votes Thank Flag Link Mon Aug 3, 2015
We offer ITIN Loans NATIONWIDE. Call us at 800 315 8803 or visit

Our minimum loan amount is $100K or $100,000 with at least a 20% down payment.

An Individual Taxpayer Identification Number (or ITIN) is a United States tax processing number issued by the Internal Revenue Service. An ITIN is a nine digit number that will begin with the number 9 and has a 7 or 8 as the fourth digit. ITINs are issued by the IRS to individuals who are required to have a taxpayer identification number, but who do not have, and are not eligible to obtain, a Social Security Number. In other words, an ITIN number is a replacement for those who cannot obtain a Social Security number.

What is required to obtain an ITIN Mortgage AKA ITIN Loan?

· Have an Individual Tax Identification Number (ITIN).

· Been employed for at least two (2) years in the United States.

· Established a US BANK ACCOUNT for at least 60 days.

· At least a 640 credit score.

· At least 20% down or 20% equity.

An ITIN loan is a full documented mortgage, and we loan up to 80% LTV.

Our minimum loan amount is $100K or $100,000 (NATIONWIDE).

Call us 7 days a week at 800 315 8803 or visit us at

to discuss your ITIN scenario. This program is available nationwide. Bart Gabe has been lending since 1987, and is happy to answer you ITIN loan questions 7 days a week at 800 315 8803
0 votes Thank Flag Link Thu Jun 18, 2015
How do they establish a credit score with an ITIN? My husband qualifies for all of the above but I don't think he has a credit score.
Flag Sun Nov 1, 2015
Hi my name is Julio i live in illinois i would like to know if still are some lenders/banks who offers home loans with itin number if you know please let me know i appreciate also you can reach me at 224 6272262
0 votes Thank Flag Link Mon Mar 16, 2015
I am a license realtor of Texas.

Contact me:

Martha L Cebrian

Ayudo a la comunidad a alcanzar el sueno de la casa propia.
0 votes Thank Flag Link Fri Sep 5, 2014
i have a itin and i live in nj and would like a loan for $30,000. Can anyone help me. I need it to purchase a fixer upper
0 votes Thank Flag Link Tue Aug 5, 2014
Alterra Home Loans
Jaime Tapia
We are doing this type of loan
We need their I'd from their country valid Itin number.
0 votes Thank Flag Link Sun Jul 6, 2014
My husband does not have a SSN yet but does have an ITIN. I am a US Citizen. We have great income 150k + year...but I have bad credit from my previous life. We are paying $1,250 per month on a lease and have been for sometime. We would like to purchase a home. Any help out there for us?
0 votes Thank Flag Link Sat May 24, 2014
call me we do them Here at Alterra Home loans
Roy Cabrera 818 288-4769
Flag Wed Jul 9, 2014
Mr. Brown,
Your answer is incorrect. There are programs for foreign nationals.
Please see my answer below.
Thank you,
JP Marzano

JP Marzano
NMLS # 574681
1st Advantage Mortgage
0 votes Thank Flag Link Fri Oct 11, 2013

Only cash buyers do not need a Social Security Number , ITIN, or Visa. In the event a foreign buyer investor wants to use a U.S. institution for a property loan they will be subject to having established residency as well as the proof of income, taxes, etc.
0 votes Thank Flag Link Fri Oct 11, 2013
i have someone doing it but they need to put down 45% and have super good credit

Riccardo Wardlow
Quality Mortgage Lending


*We do Conventional loans down to a 620 score
*We do FHA loans down to a 580 score
*We do USDA loans down to a 620 score (no money down)
*We do $100 down payment FHA program
*Unlimited Loan To Value refinances on Fannie/Freddie refinances (only on loans originated before May 31st 2009
*We do VA loans down to a 620 score
*We give free counseling on what needs to be done to improve your credit score.
*We do 203k loans down to a 620 score
*We do reverse mortgages
*We do JUMBO loans to 12 million
*We do Itin loans
0 votes Thank Flag Link Thu Oct 10, 2013
We have a program for those with ITIN #'s and those with a valid work visa:

ITIN program:
- Minimum $300,000 loan amount
- Minimum 40% down payment (If borrower has a green card or visa, 30% down)
- No visa required
- No US credit requirement
- Seasoned assets in a known, verifiable institution
- Full documentation

Visa program:
- Minimum $150,000 loan amount
- Minimum 20% down
- Minimum 12 months reserves required
- No SS or ITIN # required
- No US credit requirement
- Full documentation
- Program also offered to US citizens working abroad

If you have further questions, please email me at:

JP Marzano
NMLS # 574681
1st Advantage Mortgage
0 votes Thank Flag Link Wed Oct 9, 2013

I would say that all ITIN borrowers would probably need a visa as well, to document their legal right to own property in the U.S.

What type of Visa are we talking about? Let me know, and I could look it up for you.


Matt Bukovy
Senior Mortgage Consultnat
Wintrust Mortgage
Web Reference:
0 votes Thank Flag Link Wed Oct 9, 2013
To own property in the US visa is not required unless you want to live in the US.
Flag Tue Jan 26, 2016
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