ITIN Loans For Undocumented Aliens

LENDERLINE® is currently offering ITIN loans for undocumented aliens, under the following guidelines:

  • The property must be located in the State of California.
  • Credit scores as low as 500.
  • No reserves required.
  • Gift funds allowed for entire down payment and closing costs.
  • Bankruptcy seasoning as low as 1 day.
  • Foreclosure seasoning as low as 1 day.
  • Deed-in-lieu of foreclosure seasoning as low as 1 day.
  • Short sale seasoning as low as 1 day.
  • Self-employed or W-2 wage-earners.
  • W-2s and pay stubs only for wage-earners.
  • 2 years tax returns and year-to-date profit and loss for self-employed.
  • Purchase, rate and term, or cash out refinance.
  • Primary residence, second home or investment properties.
  • SFR, PUD, condo, townhouse, condotel, rural properties and 2-4 units allowed.
  • Up to 50% debt-to-income ratio.
  • $75,000 minimum loan amount.
  • $5,000,000 maximum loan amount.
  • 5/1 ARM, 7/1 ARM or 30-year fixed rate available.
  • All loans require impounding of property taxes and hazard insurance.
  • Interest-only option available (see underwriting guidelines and pricing adjustment).
  • No prepayment penalty.

To download underwriting guidelines
for our ITIN loans for undocumented aliens with no reserve requirements:

To download a loan application
for our ITIN loans for undocumented aliens
with no reserve requirements:

LENDERLINE® is your ITIN loan for undocumented aliens lender of choice.

Questions? To get today’s interest rates or to receive a FREE mortgage consultation, call LENDERLINE® toll-free at 1-888-661-7888, or complete this form to schedule an appointment.

  • Obtaining a mortgage through Lenderline was by far the best loan process we have ever experienced.
    —

    Jay M.

    Northridge, CA

  • We have purchased and/or refinanced 4 rental properties and 3 different residences... In all those years, we have never dealt with such a professional broker.
    —

    Toni M.

    Westlake Village, CA

  • Lenderline got us a cash-out refinance using 24 months bank statements as income, no tax returns, no 1099, and no 4506-T. They had just the loan product we were looking for, their rates were good, and their attention to detail was outstanding. I have already referred some of my friends.
    —

    Thomas J.

    Perris, CA

  • I was at the end of my rope. Other lenders had turned me down due to a recent short sale, and I had a hard money loan with a balloon payment that was coming due. Lenderline was able to pay off my hard money loan, lower my interest rate, and provide some additional cash out at closing. What a lifesaver!
    —

    Hector R.

    Northridge, CA

  • I had no FICO scores, and Lenderline was able to get me an FHA loan with only 3.5% down. My mortgage payment is less than my rent was, and I am now a happy homeowner thanks to the awesome loan agents at Lenderline.
    —

    Edwin D.

    Los Angeles, CA