Qualify for a home loan without a Social Security Number, Green Card or a Visa.
Borrower is not required to have a Green Card, SS# or Visa.
If the income, credit and asset documentation is in a foreign language, it must be translated by a certified translator. The bank requires the translator’s certificate, as well as each translated page to be stamped by the translator.
Note: All U.S. Embassies provide translation services.
Include a business card or letterhead of the translator, tax preparer and/or CPA so the bank may contact them if needed.
Power of Attorney is not permitted.
For purchases and no cash out refinances without an ITIN, the bank requires a letter from the borrower stating they do not have an ITIN number, as they have no desire to file US taxes.
Borrowers seeking cash out refinances over $100,000 and purchases on investment must have an ITIN number or proof they have applied for one.
No FICO required.
Borrowers may provide alternative credit qualifications with four credit references from country of origin. Must be on company letterhead and show a rating for minimum of 12 months.
Borrowers must show proof of properties owned free and clear in another country, along with proof of insurance and HOA if applicable. If there is a loan on the property, the bank requires a copy of the mortgage statement.
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