No Social Security Number required. No citizenship requirement. ITIN borrowers qualify for up to 85% LTV with multiple income documentation options, full doc, bank statements, P&L, and more.
Tell me about your situation and I'll show you which ITIN options may fit.
Got it. I'll reach out personally within 24 hours to walk through your options. Ready to move faster? Start your Secure Application below.
You've worked hard, built your life here, and you're ready to plant roots. No SSN. No citizenship requirement. Just opportunity.
Purchase your primary residence with up to 85% LTV. 100% gift funds allowed for down payment and closing costs.
ITIN borrowers can purchase second homes, a program feature most lenders simply don't offer.
Investment properties eligible. Build wealth through real estate regardless of citizenship status.
Every detail of our ITIN Non-QM program, straightforward and clear.
Up to 85% LTV on primary residence purchases. Multiple property types eligible.
660 minimum FICO score required. Strong credit history strengthens your application.
30 and 40-year fixed terms available. Interest-only options for lower monthly payments.
100% gift funds accepted for down payment AND closing costs. Family support welcome.
Non-occupying co-borrower allowed on primary residence 1-unit properties.
Up to 50% debt-to-income ratio accepted. Seller concessions up to 6% allowed.
No W-2? No problem. ITIN Non-QM accepts the widest range of income documentation in the market.
Traditional W-2s, pay stubs, and tax returns accepted.
12 or 24 months of personal or business bank statements.
One year of 1099 income documentation accepted.
Profit and Loss statement for self-employed borrowers.
Qualify using your assets when income documentation is limited.
Written Verification of Employment accepted as income documentation.
A clear, guided process, no surprises, no runaround.
Submit your info and we review your ITIN, credit, and income situation, completely free.
We pull your credit, confirm your income documentation, and issue your pre-approval letter.
Shop with confidence. Your pre-approval letter shows sellers you mean business.
We guide you through every document, every step, all the way to your closing day. 🏡
Clear eligibility guidelines, no surprises on either end.
If you have an active Individual Taxpayer Identification Number, you qualify to apply. No SSN required, period.
100% of your down payment and closing costs can come from a gift. No personal savings required.
Bankruptcy, foreclosure, short sale, or deed-in-lieu seasoned 48+ months at max financing may still qualify.
No homeownership history required. This program welcomes first-time buyers with open arms.
This program is specifically for ITIN borrowers. U.S. citizens and permanent residents have other great programs available, let's find yours.
ITIN Non-QM requires a 660 minimum FICO. Below that, let's build a plan to get you there.
At The Burks Lending Group, empowered by NEXA Lending, we provide personalized mortgage solutions for homebuyers, homeowners, and investors across Middle Tennessee. Whether you're purchasing a home, refinancing, or investing in property, we're here to make the process easy, affordable, and tailored to your goals.
You've earned this. Let's make it official. Get pre-approved or book a call with me today.