Programs
ITIN

ITIN

Min. FICO 660
Up to 70% CLTV

Program Overview:

Expanding homeownership to individuals using an Individual Taxpayer Identification Number. Provides a documentation-flexible path for non-citizens in the U.S.

Broker Advantage:

  • Financial Inclusion: Dedicated path for taxpayers lacking an SSN.
  • Standard Leverage: High LTV options for primary residences and investments.
  • Bank Statement Option: Combine with Bank Statement doc types for self-employed ITIN holders.
  • ITIN as Key: Unlock homeownership with as little as 3 months of reserves.

Highlights:

  • FICO: Minimum 660 FICO score.
  • LTV (Purchase): Up to 80%.
  • Ratios: Flexible qualifying up to 50% DTI.
  • Loan Amounts: Typically capped at $1,500,000.
  • Reserves: Minimum 3 months.
  • Identification: Valid ITIN card or IRS letter and photo ID.

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DSCR FAQ

What is an ITIN loan?

A loan for borrowers without a Social Security Number.

Is U.S. residency required?

Yes, U.S. residency is required.

What credit score is required?

Typically 660 minimum.

Are DSCR options available?

Yes, DSCR ITIN options exist.

What loan amounts are available?

Up to $1.5 million.

Exlpore more ITIN Loan Programs

Asset Utilization

Min. FICO 620
Up to 80% CLTV
  • Bank statements not required up to 70% LTV
  • Minimum 3 months of reserves
  • Loan amounts up to $3 million

1Y or 2Y Full Doc Non-QM

Min. FICO 620
Up to 90% CLTV
  • Loan amounts up to $3.5. million
  • DTI allowed up to 55% on owner-occupied
  • Minimum 3 months of reserves

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Weekdays 8 am to 9 pm EST
1(833) 553-0505
21800 Burbank Blvd Suite
#100, Woodland Hills, CA 91367
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Legions Capital, Inc. is an Equal Housing Lender. NMLS ID #1553947. 21800 Burbank Boulevard, Suite 100, Woodland Hills, CA 91367. 818-818-483-4542. State Licensing: Legions Capital, Inc. is licensed by: AZ #BK-2008712 “Arizona Mortgage Banker License”; CA #60DBO-64540 “Licensed by the Department of Financial Protection and Innovation under the California Financing Law”; CO “Mortgage Company Registration”; CT #ML-1553947 “Mortgage Lender License”; FL #MLD2349 "Mortgage Lender Servicer License"; GA #1553947 “Mortgage Lender License/Registration”; MI #FL0026913 “1st Mortgage Broker/Lender Registrar”; OR #1553947 “Mortgage Lending License”; PA #116958 "Mortgage Lender License"; SC-BFI #MLS-1553947 “Mortgage Lender/Servicer License”; TN #1553947 ”Mortgage License”; TX-SML “Mortgage Banker Registration”; WA #CL-1553947 “Washington Consumer Loan Company License”; WI #1553947BR “Mortgage Banker License”. Verify our licenses at: www.nmlsconsumeraccess.org. Texas Consumers: Click here to view the Texas Consumer Complaint & Recovery Fund Notice. Availability: Loan approval and rates are dependent upon applicant’s credit, collateral, financial history, and program availability at time of origination. Programs and rates are subject to change without notice and may or may not be available at the time of loan commitment or lock-in.
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