ITIN MORTGAGE LENDERS
ITIN MORTGAGE LENDERS
Where ITIN Holders Become Homeowners
No SSN? No Problem!
- CREDIT SCORE: Programs from No Score, to Best Score
- INCOME: Almost All Income Types Accepted
- DOWN PAYMENT: Starting as Low as 10% up to 25%
- ESPAÑOL: We Meet Your Buyers on Their Terms
READY TO HELP MORE ITIN BUYERS?
WE CAN HELP YOU!
Where ITIN Holders Become Homeowners
No SSN? No Problem!
- CREDIT SCORE: Programs from No Score, to Best Score
- INCOME: Almost All Income Types Accepted
- DOWN PAYMENT: Starting as Low as 10% up to 25%
- ESPAÑOL: We Meet Your Buyers on Their Terms
READY TO HELP MORE ITIN BUYERS?
WE CAN HELP YOU!
Nosotras hablamos español
Nosotras hablamos español
Sarai Cartagena-Gonzalez
Bi-Lingual Loan Officer - NMLS: 1452618
Satori Mortgage - NMLS: 4190
512-820-6888
TEXAS
MEET SARAI!
Our Senior Loan Officer and resident expert in ITIN Loans. With an extensive career spanning over a decade in the lending industry, Sarai has established herself as a leading authority on ITIN home loans. Her commitment to financial inclusivity and passion for empowering individuals to achieve homeownership makes her a valuable asset to our team and a trusted ally for her clients.
Sarai's deep understanding of the unique challenges faced by those who lack traditional documentation has guided her to specialize in ITIN loans, ensuring the dream of owning a home is accessible to everyone, irrespective of their documentation status. Her track record in successfully navigating the ITIN loan process is exceptional, providing reassurance for clients in what can often be a complex journey.
Understanding ITIN Loans
ITIN Loans, the unique lending option, can open new doors to home ownership for potential buyers who may not have access to conventional loan opportunities. Here's what you, as a real estate agent, need to understand about them.
An Individual Tax Identification Number (ITIN) is an identifier issued by the IRS that can be used as a form of ID. ITIN loans are home loans offered to individuals lacking the conventional documentation typically required for a mortgage. This allows people who don't possess a Social Security Number, but do hold an ITIN, to purchase homes using a mortgage.
Grasping the Concept of an ITIN
An ITIN can be assigned to a U.S. resident alien, a non-resident alien filing a tax return, or a dependent or spouse of a U.S. citizen or resident alien. Importantly, ITINs aren't limited to resident and non-resident aliens; they're given to anyone responsible for filing a U.S. tax return, regardless of immigration status. When an ITIN is used for a home loan, it stands in as a form of identification in lieu of a Social Security Number.
The Essentials of ITIN Loan Requirements
To support your clients seeking an ITIN loan, you'll need to connect them with a lending institution that offers these loans. These institutions may finance purchases of single-family homes, condos, townhouses, and multi-unit residential buildings. Requirements can vary depending on the product but will include: ITIN number, Credit Score, Proof of Employment, Down Payment, Rental History, Another form of Identification, Bank Statements.
Sarai Cartegena-Gonzalez
Bi-Lingual Loan Officer - NMLS: 1452618
Satori Mortgage - NMLS: 4190
512-820-6386
TEXAS
MEET SARAI!
Our Senior Loan Officer and resident expert in ITIN Loans. With an extensive career spanning over a decade in the lending industry, Sarai has established herself as a leading authority on ITIN home loans. Her commitment to financial inclusivity and passion for empowering individuals to achieve homeownership makes her a valuable asset to our team and a trusted ally for her clients.
Sarai's deep understanding of the unique challenges faced by those who lack traditional documentation has guided her to specialize in ITIN loans, ensuring the dream of owning a home is accessible to everyone, irrespective of their documentation status. Her track record in successfully navigating the ITIN loan process is exceptional, providing reassurance for clients in what can often be a complex journey.
Fluent in Spanish, Sarai uses her language skills to bridge cultural and linguistic gaps, offering a comfortable and seamless experience for our Spanish-speaking clients. This bilingual capability allows her to guide and support more individuals on their path to homeownership, reinforcing our commitment to diversity and inclusivity.
The Process of Obtaining an ITIN
Applying for an ITIN is a straightforward process that your clients can complete without having a Social Security Number. They simply need to submit Form W-7 (Application for IRS Individual Taxpayer Identification Number), along with supporting documentation such as tax returns confirming their non-resident status. Additional identification documents, like a birth certificate or driver’s license, may also be required. Once submitted, the application will typically take 4-6 weeks to process.
The Essentials of ITIN Loan Requirements
To support your clients seeking an ITIN loan, you'll need to connect them with a lending institution that offers these loans. These institutions may finance purchases of single-family homes, condos, townhouses, and multi-unit residential buildings. Requirements can vary depending on the product but will include: ITIN number, Credit Score, Proof of Employment, Down Payment, Rental History, Another form of Identification, Bank Statements.
The Perks of ITIN Home Loans
No Social Security Number is required: This removes a significant barrier for those unable to acquire one. Residency flexibility: ITIN loans can accommodate non-legal residents in their pursuit of homeownership.
Credit building: Each repayment can contribute to a better credit score.
More sustainable repayment plans: Compared to hard money loans, ITIN loans generally offer lower interest rates. Understanding the specifics of ITIN home loans can enhance your ability to serve a broader client base and ensure a more inclusive approach to the home buying process.
Empowering ITIN Holders, One Home at a Time
Empowering ITIN Holders, One Home at a Time
ITIN LOAN PRODUCTS
We Offer a Wide Range of ITIN Loan Products
Primary Residence
Secondary Residence
Investment Property
Non-Occupant
ITIN FAQ's
Frequently Asked Questions
Are Gift Funds Allowed?
Yes. Gift funds are allowed.
Can Other People Apply With Me?
Yes. Your loan officer can assist you and analyze options and conditions with you.
What is an ITIN Mortgage Loan?
An ITIN Mortgage Loan is designed for people who file taxes with an Individual Tax Identification Number (ITIN) looking to purchase or refinance, a home in the United States.
What Property Types are Eligible?
single family homes, condos, townhomes, mobile/manufactured homes, and 2-4 unit homes. These can be primary, second, or investment homes.
Can I Buy a Home For a Member of My Family?
Loan terms offered are affected by many things, including your intended occupancy of the home. Depending on whether you already have your own home, and whether you intend to occupy the property you wish to purchase, a higher rate and larger down payment may be required.
Can I Apply For a ITIN Loan If I Do Not Have Credit History?
Yes, anyone can apply. There are guidelines and programs for applicants that have no credit score or that lack credit history.
What Factors Affect My Rate?
Some key factors affecting rate include your credit score, property type, amount of down payment, term of the loan, occupancy, loan amount, and type of income used to qualify.
How Long Does The Process Take?
The pre-qualification process usually takes 1-2 business days. Once you have signed a purchase agreement on a home, we can close in an average of 30 days and we are continuously striving to shorten the process.
Regarding the Interest Rates, Are They Fixed or Variable?
The interest rates are fixed for the life of the loan.
Will My Monthly Payment Change?
The Loan Will not change the amount of principal and interest. However, your total monthly payment may change in the future due to your property taxes or your homeowner’s insurance. The bank does not control those costs.
How Much Do I Need to Come Up With For Down Payment?
Yes, a down payment is required. Depending on your qualifications, the down payment minimum can be as low as 10% and as high as 25%.
What are Some Commonly Requested Documents That I Need to Submit?
A copy of your most recent Federal Tax Returns filed with your ITIN.
One year of income documentation (Self-employed borrowers must have operated their business for at least one year). A copy of your ITIN Letter. A valid, government-issued photo ID (passport, driver’s license, matrícula consular, etc.) Proof of 6 months housing payment. Proof of cash to close using copies of accounts covering the most recent 60 days.
I Have Equity in My Home, How Soon Can I Refinance to Get Cash Out?
The Borrowers are to establish at least 6 months of ownership prior to being eligible for a cash-out refinance. Please note that though you may otherwise be eligible, the equity you have in your property may limit the amount of cash out based on maximum loan to value limits acceptable.
ITIN LOAN PRODUCTS
We Offer a Wide Range of ITIN Loan Products
Primary Residence
Secondary Residence
Investment Property
Non-Occupant
ITIN FAQ's
Frequently Asked Questions
Are Gift Funds Allowed?
Yes. Gift funds are allowed.
What is an ITIN Mortgage Loan?
An ITIN Mortgage Loan is designed for people who file taxes with an Individual Tax Identification Number (ITIN) looking to purchase or refinance, a home in the United States.
What Property Types are Eligible?
single family homes, condos, townhomes, mobile/manufactured homes, and 2-4 unit homes. These can be primary, second, or investment homes.
Can I Buy a Home For a Member of My Family?
Loan terms offered are affected by many things, including your intended occupancy of the home. Depending on whether you already have your own home, and whether you intend to occupy the property you wish to purchase, a higher rate and larger down payment may be required.
Can I Apply For a ITIN Loan If I Do Not Have Credit History?
Yes, anyone can apply. There are guidelines and programs for applicants that have no credit score or that lack credit history.
What Factors Affect My Rate?
Some key factors affecting rate include your credit score, property type, amount of down payment, term of the loan, occupancy, loan amount, and type of income used to qualify.
How Long Does The Process Take?
The pre-qualification process usually takes 1-2 business days. Once you have signed a purchase agreement on a home, we can close in an average of 30 days and we are continuously striving to shorten the process.
Regarding the Interest Rates, Are They Fixed or Variable?
The interest rates are fixed for the life of the loan.
Will My Monthly Payment Change?
The Loan Will not change the amount of principal and interest. However, your total monthly payment may change in the future due to your property taxes or your homeowner’s insurance. The bank does not control those costs.
How Much Do I Need to Come Up With For Down Payment?
Yes, a down payment is required. Depending on your qualifications, the down payment minimum can be as low as 10% and as high as 25%.
What are Some Commonly Requested Documents That I Need to Submit?
A copy of your most recent Federal Tax Returns filed with your ITIN.
One year of income documentation (Self-employed borrowers must have operated their business for at least one year). A copy of your ITIN Letter. A valid, government-issued photo ID (passport, driver’s license, matrícula consular, etc.) Proof of 6 months housing payment. Proof of cash to close using copies of accounts covering the most recent 60 days.
I Have Equity in My Home, How Soon Can I Refinance to Get Cash Out?
The Borrowers are to establish at least 6 months of ownership prior to being eligible for a cash-out refinance. Please note that though you may otherwise be eligible, the equity you have in your property may limit the amount of cash out based on maximum loan to value limits acceptable.
Powered By Satori Mortgage
Powered By Satori Mortgage
Niko Kramer
The Hardcore Broker @ Satori Mortgage - NMLS: 2180891
TEXAS, CALIFORNIA, FLORIDA, COLORADO, GEORGIA
MEET NIKO!
How We Support Our Agent Partners
MEET OUR TEAM
"Teamwork Makes The Dreamwork"
Niko Kramer
The Hardcore Broker @ Satori Mortgage - NMLS: 2180891
512-270-2835
TEXAS, CALIFORNIA, FLORIDA, COLORADO, GEORGIA
MEET NIKO!
Niko "The Hardcore Broker," the driving force behind ITIN Mortgage Lenders and is a seasoned Mortgage Broker and a Producing Branch Manager. His dedication to empowering Real Estate Agents and educating them about the ITIN loan process is evident through the platform he has created.
Niko's team of 30+ professionals embodies his dedication to service excellence and customer-centric approach. His nickname, "The Hardcore Broker," is well-earned. Niko is known for his relentless commitment to breaking down barriers in homeownership, specifically for ITIN buyers, and paving the way for a more inclusive real estate market.
Through ITIN Mortgage Lenders, Niko leverages his extensive experience and industry knowledge to provide invaluable insights and resources to Real Estate Agents, facilitating their understanding and mastery of the ITIN Home Buyer process.
Beyond the professional realm, Niko is a charismatic leader, a mentor to many, and an industry figure who is reshaping the way we perceive mortgage lending. His passion for the industry and his dedication to his work make him a beacon for aspiring Real Estate professionals and a trustworthy guide for countless agents navigating the ITIN loan process.
How We Support Our Agent Partners
Niko Kramer
The Hardcore Broker
Real estate is not just about property transactions; it's about building futures, one home at a time. As 'The Hardcore Broker,' my mission is to break barriers, dispel complexities, and open doors of opportunities for everyone, including ITIN buyers. We're creating a platform where Real Estate Agents become catalysts of change, fostering a more inclusive homeownership landscape."
Niko Kramer
The Hardcore Broker
Real estate is not just about property transactions; it's about building futures, one home at a time. As 'The Hardcore Broker,' my mission is to break barriers, dispel complexities, and open doors of opportunities for everyone, including ITIN buyers. We're creating a platform where Real Estate Agents become catalysts of change, fostering a more inclusive homeownership landscape."
Meet The Dream Team
Todd Brandon
Loan Officer
NMLS: 2465753
Sarai Gonzalez
Loan Officer
NMLS: 1452618
Keahna Del Curto
Loan Officer
NMLS: 2338219
Kimberly Caton
Loan Officer
NMLS: 2296154
Mikki Gaddis
Loan Officer
NMLS: 2103366
Debora Kaufmann
Loan Officer
NMLS: 927287
Ian McLaughlan
Loan Officer
NMLS: 2451424
Luke Lancaster
Loan Officer
NMLS: 2311012
Gavin Lovering
Loan Officer
NMLS: 2180892
Meet The Dream Team
Sarai Gonzalez
Loan Officer
NMLS: 1452618
Todd Brandon
Loan Officer
NMLS: 2465753
Keahna Del Curto
Loan Officer
NMLS: 2338219
Kimberly Caton
Loan Officer
NMLS: 2296154
Mikki Gaddis
Loan Officer
NMLS: 2103366
Debora Kaufmann
Loan Officer
NMLS: 927287
Ian McLaughlan
Loan Officer
NMLS: 2451424
Luke Lancaster
Loan Officer
NMLS: 2311012
Gavin Lovering
Loan Officer
NMLS: 2180892
COMPANY
Satori Mortgage: NMLS: 4190
DAY SCHEDULE
Mon - Wed: 8:00 - 8:00
Thu - Sat: 8:00 - 5:00
Sunday: 10:00 - 8:00
512-820-6386
Texas
SERVICES
Do You Have Buyers That Were Denied?
Looking to Ignite Your RE Business?
Real Time Market Updates - Sign Up
@TheHardcoreBroker
CUSTOM JAVASCRIPT / HTML
COMPANY
Satori Mortgage: NMLS: 4190
DAY SCHEDULE
Mon - Wed: 8:00 - 8:00
Thu - Sat: 8:00 - 5:00
Sunday: 10:00 - 8:00
512-820-6386
Texas
SERVICES
Do You Have Buyers That Were Denied?
Looking to Ignite Your RE Business?
Real Time Market Updates - Sign Up
@TheHardcoreBroker
CUSTOM JAVASCRIPT / HTML
Satori Mortgage: NMLS 4190 - Copyright 2023 - All Rights Reserved
THISCopyright ©2022 Satori Mortgage. NMLS# 4190. 2808 West Broadway Minneapolis, MN 55411 (866) 405-3697. All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR A LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE COMPANY RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE
RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE
RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV.
Satori Mortgage: NMLS 4190 - Copyright 2023 - All Rights Reserved
THISCopyright ©2022 Satori Mortgage. NMLS# 4190. 2808 West Broadway Minneapolis, MN 55411 (866) 405-3697. All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR A LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE COMPANY RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE
RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE
RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV.