The ITIN Mortgage Program

Welcome to Smart Mortgage's information center on the ITIN Mortgage Program. We believe in inclusivity and understand that financial needs aren’t limited to just those with Social Security numbers. The ITIN Mortgage Program is designed especially for those with Individual Taxpayer Identification Numbers. Here’s everything you need to know.

What is an ITIN?

The Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by the U.S. Internal Revenue Service (IRS). It’s given to those who are required to have a U.S. taxpayer identification number but who do not have, and are not eligible to obtain, a Social Security Number (SSN).

What is the ITIN Mortgage Program?

The ITIN Mortgage Program is a special mortgage solution for non-U.S. citizens who don’t possess a Social Security Number but have an ITIN. It’s tailored to cater to the unique financial situations and requirements of ITIN holders who wish to purchase or refinance a home in the U.S.

Benefits of the ITIN Mortgage Program with iLoan

1. Inclusivity: We provide mortgage options for a wide range of customers, irrespective of their citizenship status.
2. Competitive Rates: Our ITIN Mortgage Program offers competitive interest rates to ensure you get the best deal.
3. Flexible Terms: From short-term to long-term loans, choose a repayment period that suits your financial needs.
4. Simple Process: Our streamlined application process makes it easy to get started and move closer to owning your dream home.

Questions Call (888)416-4805

Who is Eligible?

To be eligible for our ITIN Mortgage Program, applicants should:

• Have a valid ITIN.
• Provide proof of consistent income.
• Show a history of rental or housing payments.
• Meet the credit and debt-to-income requirements.

How to Apply

Ready to take the next step? Smart Mortgage makes the application process simple:

1. Contact Us: Reach out to our dedicated mortgage specialists to discuss your needs.
2. Gather Documentation: Assemble the necessary paperwork, including your ITIN, income proofs, and rental history.
3. Submit Application: Fill in our easy-to-use online application form.
4. Get Approved: Once your application is approved, our team will guide you through the closing process.

FAQs

• Can I refinance with an ITIN?
  • Yes! If you already own a home and are looking to refinance, our ITIN Mortgage Program can assist you.
• What if I have a mixed status family (e.g., one spouse with SSN and one with ITIN)?
  • We understand each situation is unique. Contact our team to discuss the best solutions tailored for mixed status families.
• Is a large down payment required for an ITIN mortgage?
  • Down payment requirements can vary. Speak with our mortgage specialists to understand what might be expected in your particular scenario.

Reach Out Today

Ready to explore the ITIN Mortgage Program with Smart Mortgage? Whether you’re looking to purchase a new home or refinance your existing one, we’re here to help. Contact our friendly and knowledgeable team today at (888)416-4805!