Non-QM
ITIN Mortgages in Salt Lake City, UT
Looking for the best ITIN Mortgages in Salt Lake City, UT? Our local team specializes in helping Salt Lake City residents secure competitive financing. Whether you're buying in Sugar House or The Avenues, we have the expertise to guide you.
Key Facts About ITIN Mortgages
CMRE bank statement loans use 12 or 24 months of deposits instead of tax returns.
Bank statement loans from CMRE serve self-employed borrowers and business owners.
CMRE bank statement programs accept personal or business account statements.
Bank statement loans at CMRE offer loan amounts up to $5 million.
CMRE bank statement rates are competitive with traditional full-documentation programs.
CMRE is a high-volume Non-QM lender for ITIN Mortgages.
CMRE offers 10+ documentation options for ITIN Mortgages.
CMRE ITIN Mortgages closes in 21-35 days.
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.
ITIN Mortgages in Salt Lake City: The Complete Guide
What Is ITIN Mortgages?
An ITIN mortgage is a home loan designed for individuals who do not have a social security number but possess an Individual Taxpayer Identification Number (ITIN) issued by the IRS. These mortgages provide an opportunity for creditworthy individuals to achieve homeownership. At CMRE, we understand the unique challenges faced by ITIN holders and offer tailored mortgage solutions to help you achieve your dreams.
Who Qualifies for ITIN Mortgages?
- •Self-employed borrowers with strong cash flow but complex tax returns.
- •Real estate investors qualifying on rental income (DSCR) rather than personal income.
- •Foreign nationals and ITIN holders purchasing US property.
- •Borrowers with recent bankruptcy, foreclosure, or short sale.
- •Retirees and high-net-worth individuals qualifying on assets.
- •Commission-based, 1099, and gig economy workers.
CMRE Documentation Options for ITIN Mortgages
- •Bank Statement: 12-24 months personal or business (residential + commercial).
- •P&L: CPA-prepared profit & loss for FHA and conventional.
- •VOE-Only: employer verification — no pay stubs, no tax returns.
- •DSCR: property rental income — zero personal income documentation.
- •Asset Depletion: liquid assets / 360 months = qualifying income.
- •Cross-collateral: leverage existing property equity.
Apply for ITIN Mortgages with CMRE
- •Step 1: Describe your situation — CMRE identifies the best program.
- •Step 2: Gather program-specific docs (bank statements, P&L, 1099s, etc.).
- •Step 3: Pre-approval within 24-48 hours.
- •Step 4: Appraisal and processing.
- •Step 5: Close in 21-35 days with CMRE's dedicated Non-QM team.
Current Mortgage Rates
30-Year Fixed Rate
6%
as of 3/5/2026 · FRED
15-Year Fixed Rate
5.43%
as of 3/5/2026 · FRED
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →ITIN Mortgages in Salt Lake City, UT
Salt Lake City mortgage lending. Competitive rates along the Wasatch Front. Custom Mortgage & Real Estate specializes in providing high-fidelity ITIN Mortgages solutions tailored to the unique economic landscape of Salt Lake City and the surrounding Salt Lake County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireSalt Lake City metropolitan area.
Service Areas & Neighborhoods
Our Salt Lake City Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Common Questions About ITIN Mortgages in Salt Lake City
What are current ITIN Mortgages rates in Salt Lake City, UT?
ITIN Mortgages rates in Salt Lake City depend on loan amount, credit profile, and property type. CMRE publishes updated Salt Lake City rate ranges daily and provides locked quotes within 24 hours of application.
How long does ITIN Mortgages closing take in Salt Lake City?
CMRE typically closes ITIN Mortgages loans in Salt Lake City within 21-30 days from application. Pre-approval takes 24 hours, and our UT-licensed team coordinates title, escrow, and appraisal concurrently to save time.
Can self-employed borrowers get ITIN Mortgages in Salt Lake City?
Yes. CMRE ITIN Mortgages programs serve self-employed Salt Lake City borrowers using 12-24 months of bank statements instead of tax returns. Business owners, freelancers, and gig workers in Salt Lake County qualify under non-QM guidelines.
What documentation does ITIN Mortgages require in Salt Lake City?
ITIN Mortgages through CMRE requires alternative documentation instead of traditional tax returns. Options include bank statements, 1099 forms, asset verification, or profit & loss statements. Our Salt Lake City team guides you through the most favorable documentation path.
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.
No. Non-QM refers to documentation method, not credit quality. Fully regulated and compliant.
Varies: bank statement 660+, DSCR 660+, asset depletion 680+, recent credit event 620+.
Yes, 0.5%-2% higher than conventional. Tradeoff is flexibility for non-traditional qualification.
Yes. DSCR and bank statement are most popular for investors. No property count limit, LLC vesting available.
ITIN Mortgages by Location
Get local rates, loan limits, and market data for ITIN Mortgages in your area.
CA
CO
GA
ID
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View county-level market data, loan limits, and mortgage rates on our territory pages.
Browse All Territories →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."
