BluePoint Mortgage offers ITIN mortgage loans that help mortgage brokers serve more clients, grow their pipeline, and close more home loans for non-U.S. citizens and ITIN borrowers.

ITIN Loans

ITIN Premier:

  • Min. FICO 680 (Max 80%)
  • Max 85% LTV (Min. FICO 700)
  • Loan Amounts:
    • $125,000 – $1,200,000 (Max 85%)
    • $1,200,001 – $2,000,000 (Max 75%)
    • $2,000,001 – $3,000,000 (Max 70%)
  • Cash Out Refi
    • $125,000 – $1,200,000 (Max 80%)
    • $1,200,001 – $2,000,000 (Max 75%)
    • $2,000,001 – $3,000,000 (Max 70%)
  • -0.500 Adjustment on Owner Occupied Detached: SFR, Condo, or PUD 
  • Doc Types:
    • 1099
    • P&L Statement
    • Full-Doc
  • Non-Occupant Co-Borrowers Allowed
  • No Tradeline Requirements
  • No reserves required

ITIN Close Call:

  • No FICO Score (Max 75%)
  • Max 80% LTV (Min. FICO 660)
  • Max 85% LTV (Min. FICO 700)
  • Loan Amounts:
    • $125,000 – $1,200,000 (Max 85%)
  • -0.500 Adjustment on Owner Occupied Detached: SFR, Condo, or PUD
    • Min. FICO 660
  • Doc Types:
    • 1099
    • P&L Statement
    • Full-Doc
  • Non-Occupant Co-Borrowers Allowed
  • No reserves required
iTIN Premier
iTIN Close Call
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What is an ITIN mortgage loan?

An ITIN mortgage loan is a special type of home loan that allows borrowers to qualify using their ITIN instead of an SSN. This flexible loan option offers low or no FICO score choices, P&L and Full-Doc income verification, and down payments as low as 15%. Additionally, programs like BluePoint Mortgage’s Premier and Close Call options allow for up to 85% LTV with competitive rates and no reserves required.

Who are they for?

ITIN mortgage loans are designed for borrowers who do not have a Social Security Number but have been issued an Individual Taxpayer Identification Number (ITIN) by the IRS. These loans help self-employed individuals, foreign nationals, and other credit-worthy borrowers—who may not qualify for traditional home loans—achieve homeownership.

When should you consider an ITIN mortgage loan?

If your client is ready to buy a home or refinance—but lacks a Social Security Number—an ITIN mortgage loan may be the right solution. They may be newly self-employed, a recent immigrant, or a foreign national investing in U.S. property.

Where can you get an ITIN mortgage loan?

ITIN mortgage loans are available through wholesale mortgage lenders like BluePoint Mortgage—serving mortgage brokers and loan officers across multiple states. If you are a mortgage broker looking to expand your pipeline, or a borrower seeking the best options, BluePoint Mortgage offers flexible ITIN mortgage loan programs with personal service and fast approvals.

Why choose BluePoint Mortgage?

BluePoint Mortgage has been helping independent mortgage brokers serve diverse markets for over 30 years. Our ITIN mortgage loan programs offer:
✅ Loan amounts from $125K to $3M
✅ FICOs as low as 600—or no score!
✅ Max 85% LTV
✅ Zero reserves required
✅ No traadelines required
✅ 100% gift funds allowed
✅ P&L Only, Full-Doc, and 1099 options
✅ Fast approvals with expert support

We make it easy for brokers to say yes to more borrowers and grow their business. Contact an Account Executive to get pricing on your specific loan scenario! 

Borrowers must have a valid ITIN assigned by the IRS before applying for an ITIN mortgage loan.  Learn more about ITINs on the IRS website.