ITIN Mortgage Program
Real estate financing for ITIN borrowers, self-employed entrepreneurs, business owners, and non-traditional borrower profiles — evaluated through non-QM lender relationships.
ITIN Real Estate Financing
Alternative and non-QM mortgage financing for borrowers with an Individual Taxpayer Identification Number — evaluated on documentation, income, assets, and property profile rather than conventional agency criteria.
- Loan TypesPurchase, Refinance, Cash-Out
- Income QualificationBank Statements, Tax Returns, DSCR, Asset-Based
- Identification AcceptedITIN + Government ID / Passport
- Property TypesPrimary, Investment, DSCR Rental, 1–4 Unit
- Borrower ProfilesITIN, Self-Employed, Business Owner, TPS, Non-Permanent Resident
- SSN RequiredNo — ITIN Accepted
- U.S. Credit RequiredCase-by-Case — Varies by Lender
- Program TypeNon-QM / Alternative Lending
Investment 1–4 Unit Residential · DSCR
Who This Program Is For
Financing for non-traditional borrower profiles who fall outside conventional agency lending requirements but have verifiable income, assets, and strong financial profiles.
Property Types
Primary Residences
Owner-occupied homes for ITIN borrowers with qualifying profiles.
Investment Properties
Non-owner occupied residential investment acquisitions.
DSCR Rentals
Cash-flow qualified rental properties — no personal income docs required.
1–4 Unit Residential
SFR, duplex, triplex and fourplex — eligible for ITIN programs.
Condominiums
Warrantable and select non-warrantable condos where available.
Mixed-Use
Case-by-case consideration through select lender relationships.
Typical Requirements
Why Gloven Capital for ITIN Financing
Strategic financing review for non-traditional borrower profiles — aligned with non-QM lender relationships, alternative documentation programs, and investor-focused execution.
- Non-QM and alternative financing focus — access to lenders outside conventional agency guidelines
- Investor-friendly approach — ITIN investor loans, DSCR, and portfolio acquisition programs available
- Experience with ITIN borrowers, self-employed entrepreneurs, TPS holders, and non-permanent residents
- Multiple lender relationships for diverse borrower profiles and documentation structures
- Strategic financing review — profile evaluation and lender alignment before submission
- Bilingual and multicultural understanding across entrepreneurial and immigrant borrower communities
- Relationship-oriented guidance — advisory approach from initial review through closing coordination
Ready to Discuss Your ITIN Financing Scenario?
Submit a financing request and a Gloven Capital advisor will contact you to evaluate your borrower profile and available program options.
Submit Financing RequestDisclaimer: Programs, rates, terms, eligibility requirements, and documentation requirements vary by lender and are subject to change without notice. Financing is not guaranteed and remains subject to lender underwriting approval. This page is for informational purposes only and does not constitute a commitment to lend, financial advice, or legal advice. All loan programs are subject to lender credit approval, income verification, property appraisal, and applicable federal and state lending regulations. Not all borrowers will qualify.