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Loan Programs
Non-QM – ITIN
An ITIN loan mortgage is a type of mortgage loan designed for individuals who do not have a Social Security Number (SSN) but have an Individual Taxpayer Identification Number (ITIN). ITINs are issued by the Internal Revenue Service (IRS) to individuals who are required to pay taxes in the United States but are not eligible for an SSN.
ITIN Requirement
Borrowers applying for an ITIN loan mortgage must have a valid ITIN issued by the IRS. This serves as their identification number for tax purposes and allows them to establish credit and apply for loans.
Credit Requirements
While ITIN loans may have more flexible credit requirements compared to traditional mortgage loans, borrowers are still typically required to demonstrate their ability to repay the loan. Lenders may consider factors such as the borrower's credit history, income stability, and debt- to income ratio.
Down Payment
The down payment required for an ITIN loan mortgage may vary depending on factors such as the borrower's credit profile, the loan amount, and the lender's policies. In some cases, borrowers are eligible to put down as low as 3.5%.
Private Mortgage Insurance
it varies case by case. In some cases, borrowers do not have to pay mortgage insurance.
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*No-income verification loan rates are substantially higher than currently available mortgage rates.

NMLS #2051275
• www.nmlsconsumeraccess.org

• Licensed by:
o District of Columbia Department of Insurance, Securities & Banking #MLB 2051275
o Florida Office of Financial Regulation #MBR4894
o Maryland Office of Financial Regulation #2051275
o Virginia Bureau of Financial Institutions #MC-7155
• 4Ever Lending USA LLC arranges loans with third-party providers, does not make any mortgage loan commitments or fund any mortgage loans.
• For informational purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval.

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