2025 ITIN Mortgage Loan Program

Let’s make homeownership accessible to even more families in 2025! If your buyer has an ITIN or EAD card, they may qualify for a mortgage—yes, even without a Social Security Number. The 2025 ITIN Program through Rize Mortgage is built to help DACA, C8, C33 Visa holders, and other non-traditional applicants buy their dream homes.

ITIN Loan Program Highlights

• ✅ Up to 80% LTV (85% by exception)
• ✅ Minimum 660 FICO Score
• ✅ Bank Statement, 1099, or Full Doc (1–2 year tax return)
• ✅ Primary, Second Home, and Investment Property eligible
• ✅ Gift Funds and Gift of Equity allowed
• ✅ Loan amounts up to $1.5 million
• ✅ Cash Out Refi up to 65% LTV
• ✅ Non-Warrantable Condos and Condotels eligible
• ✅ Appraisal value accepted for refis if owned 6+ months
• ✅ Easy ID: ITIN card + Government-issued photo ID

This program is ideal for responsible, qualified buyers who simply don’t have a SSN—but do have steady income, good credit, and a dream.

📞 Let’s Discuss Your Scenario

Ramon Plasencia – 25+ Years Lending Experience
Cell: 305.968.5960
Email: rplasencia@rizemtg.com

Or schedule a call with The Listing Team and we’ll go over the next steps to help your clients qualify today.