Non-QM
ITIN Mortgages
Unlock your homeownership dreams with CMRE's ITIN Mortgages. Designed for individuals with an Individual Taxpayer Identification Number (ITIN), this program offers a pathway to secure financing, even without a social security number. With competitive rates starting at 7.5%, and flexible qualification criteria, CMRE is committed to helping you find the perfect home.
Program Benefits
Access home financing with an ITIN, opening doors to homeownership.
Competitive interest rates starting at 7.5%, designed to make homeownership more affordable.
Flexible qualification requirements compared to traditional mortgages.
Build equity and invest in your future, even without a social security number.
Personalized support from experienced CMRE loan specialists throughout the application process.
Opportunity to purchase a home and establish roots in your community.
Program Highlights
Max LTV
80%
Min Credit Score
660
Max DTI
55%
Loan Amount Range
$100K - $2M
Amortization Options
Eligible Properties
- Single Family
- Condo
- Townhouse
- 2-4 Unit Properties
Program Requirements
Income Documentation
- •Verifiable income documentation, such as tax returns and bank statements.
- •Stable employment history demonstrating consistent earnings.
- •Clear explanation of income sources and stability.
- •Debt-to-income ratio that meets program guidelines.
Asset Verification
- •Sufficient funds for down payment, closing costs, and reserves.
- •Bank statements documenting asset balances.
- •Acceptable sources of funds for down payment.
- •Verification of any gifted funds, if applicable.
Insurance & Title
- •Homeowner's insurance policy to protect your investment.
- •Flood insurance, if the property is located in a flood zone.
- •Proof of insurance coverage prior to closing.
- •Adequate coverage to meet lender requirements.
Property Requirements
- •Minimum FICO score of 660.
- •Demonstrated responsible credit behavior.
- •Explanation for any past credit issues.
- •Review of credit report for outstanding debts and obligations.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
An ITIN, or Individual Taxpayer Identification Number, is a tax processing number issued by the Internal Revenue Service (IRS) to individuals who do not have and are not eligible to obtain a Social Security Number (SSN), but who are required to file U.S. tax returns.
Interest rates for ITIN mortgages can vary based on factors such as credit score, loan amount, and market conditions. CMRE offers competitive rates starting at 7.5%. Contact us for a personalized rate quote.
Typical documents required include a copy of your ITIN card, proof of income (tax returns, bank statements), proof of assets, credit report, and information about the property you wish to purchase.
Yes, ITIN mortgages can be used to purchase both primary residences and investment properties. CMRE offers flexible loan options to suit your specific needs.
Sam K.
Senior Loan Strategist
With over 15 years in the mortgage industry, Sam specializes in complex jumbo and non-qm financing solutions, helping clients navigate unique financial landscapes.
NMLS #12345 | Certified Mortgage Advisor (CMA)
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
