Maybe with co-signer that is different. Check with any lender and let them know your situation if you do have a co-signer.
I can get loans done for people with an ITIN number without any co-signers. I do need to know who will be living in the home. There is a little more work required, but there is no one that will be able to get you the terms I can: No down payment, no closing costs, no perfect credit required. If you do not have open credit accounts (car loans, credit cards, etc) that is OK; I can use alternative credit such as utility payments. Friday's rate was 3.375% on a 30- year fixed.
Check out http://www.NACA.com for some background and details. Contact me with any questions.
Mortgage Counselor - NMLS 280951