DreamBuilder ITIN Loan Program
Helping ITIN holders and non-permanent residents achieve the dream of homeownership with flexible qualification options and personalized support.
DreamBuilder ITIN Loan Program Details
Our specialized mortgage solution designed specifically for ITIN holders and non-permanent residents
We accept Individual Taxpayer Identification Numbers (ITIN) in place of Social Security Numbers, making homeownership accessible to taxpayers without traditional documentation.
Our program welcomes ITIN holders, DACA recipients, and non-permanent residents who have been excluded from traditional mortgage options despite strong financial profiles.
With up to 96.5% LTV financing, competitive rates, and flexible qualification criteria, our ITIN loan program is designed to make homeownership achievable and sustainable.
Why Choose the DreamBuilder ITIN Program?
Our specialized program addresses the unique challenges faced by ITIN holders in the mortgage market, providing a clear path to homeownership.
Alternative Income Verification
We accept bank statements, 1099s, and other alternative documentation to verify income for self-employed individuals and those with non-traditional income sources.
Higher Debt-to-Income Ratios
Our program allows for DTI ratios up to 50/60, recognizing the unique financial situations of many ITIN holders and immigrants.
Flexible Credit Requirements
We understand that many ITIN holders have limited credit histories. Our program considers alternative credit and can work with scores below 580.
Dedicated Support
Our multilingual team provides personalized guidance throughout the entire process, ensuring you understand every step of your homebuying journey.
Frequently Asked Questions About ITIN Loans
Get answers to common questions about the DreamBuilder ITIN Loan Program
What is an ITIN and who needs one?
An Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by the IRS for individuals who are required to have a U.S. taxpayer identification number but do not have and are not eligible for a Social Security Number. This includes non-resident aliens, resident aliens, their spouses, and dependents who cannot get a Social Security Number.
Can I get a mortgage with an ITIN?
Yes, the DreamBuilder ITIN Loan Program is specifically designed to help ITIN holders obtain mortgage financing. While traditional lenders may not offer loans to ITIN holders, our program recognizes that many ITIN holders have strong financial profiles and are excellent candidates for homeownership.
What documents do I need for an ITIN loan application?
Typically, you'll need your ITIN, proof of income (which can include bank statements, tax returns, or 1099s), proof of assets, identification documents, and proof of residence. Our team will guide you through the specific documentation needed for your situation.
What are the interest rates for ITIN loans?
Interest rates for ITIN loans are competitive and based on market conditions, your credit profile, down payment amount, and other factors. While rates may be slightly higher than conventional loans, our program offers reasonable rates that make homeownership affordable.
How much down payment is required for an ITIN loan?
The DreamBuilder ITIN Loan Program offers financing up to 96.5% LTV, meaning you may qualify with as little as 3.5% down payment. The exact down payment requirement will depend on your specific financial situation and the property you're purchasing.
Ready to Start Your Homeownership Journey?
Take the first step toward owning your dream home with the DreamBuilder ITIN Loan Program. Our team is ready to guide you through every step of the process.