The Homelend Platform
ITIN
Program Highlights
- Full & ALT Doc & DSCR
- 620 Minimum FICO
- No Credit Score eligible
- Max LTV 85%
- Max Loan Amount $1.5mm
- Max C/O LTV >65% $500K, LTV <=65% unlimited
- I/O eligible
Borrower Profile
- Valid ITIN
- Unexpired foreign passport, license, matricula consular
- VISA not required
- First Time Home Buyer Eligible except for DSCR
- Mortgage/ Rental History 0x90x12
- BK/ FC: 12 Months Seasoning
- SS/ DIL: <12 Months Seasoning
- DACA eligible
- Gift funds allowed
Loan Characteristics
- Full Doc 1 or 2 Years W2/Tax Returns or WVOE
- ALT Doc: Bank Statements, 1099, P&L – 12 or 24 Months
- DSCR (<1.0 or No Ratio eligible)
- Max DTI 55%
- SFR, 2-4 Units, Condo, PUD, Condotel/PUDtel, Manufactured Home, Non-Warrantable Condos
- Primary, Second Home, Investment
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