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Francisco Williams, CCIM

Scenarios

Buying without a typical W-2 file. ITIN and foreign national are different products.

ITIN is for people who file taxes with an ITIN. Foreign national is for non-residents buying here. I will not mix them, and this is not immigration advice.

  • ITIN: /loan-programs/itin-mortgage.
  • Foreign national: /loan-programs/foreign-national.
  • Down payment and reserves are overlay — not a website percent as a promise.

ITIN mortgageForeign national

Do I need a Social Security number?
ITIN files are built for borrowers who do not have one. Overlay still applies. Not an approval.

Not an approval. Not a rate. Overlay at lock. NMLS #1858674.

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