{
 "_meta": {
  "source": "Each entry verified by fetching the lender's own live program page (or official program handbook) on 2026-06-10. Unverifiable institutions (Self-Help blocked, Point West/Border FCU no mortgage ITIN language, UWM no program found) are EXCLUDED.",
  "researched_on": "2026-06-10",
  "urls_checked_on": "2026-07-22",
  "fields": "type: cu (credit union) | bank | nonqm (wholesale non-QM, via brokers) | dpa (down-payment assistance)",
  "terms_checked_on": "2026-07-22"
 },
 "lenders": [
  {
   "name": "First National Bank of America (FNBA)",
   "type": "bank",
   "coverage_en": "All 50 states",
   "coverage_es": "Los 50 estados",
   "terms_en": "15% min down; no SSN required; no credit history accepted; gift funds OK; no prepayment penalty; bilingual support",
   "terms_es": "15% de entrada mínima; no exige SSN; acepta sin historial de crédito; permite fondos regalados; sin penalidad por prepago; atención bilingüe",
   "url": "https://www.fnba.com/itin-home-loans/",
   "channel_en": "direct",
   "channel_es": "directo"
  },
  {
   "name": "Latino Community Credit Union",
   "type": "cu",
   "coverage_en": "Properties in NC, SC, GA, VA",
   "coverage_es": "Propiedades en NC, SC, GA, VA",
   "terms_en": "Up to 95% LTV (5% down) on the adjustable-rate product, primary residence only; manufactured homes are not eligible for 95% LTV; minimum loan $40,000; no PMI required; fixed-rate term up to 20 years, adjustable-rate up to 30 years; membership open with ITIN",
   "terms_es": "Hasta 95% LTV (5% de entrada) con el producto de tasa ajustable, solo residencia principal; las casas prefabricadas no califican para el 95% LTV; préstamo mínimo de $40,000; sin PMI; plazo fijo hasta 20 años, tasa ajustable hasta 30 años; membresía abierta con ITIN",
   "url": "https://latinoccu.org/products-and-services/loans-credit/mortgages/new-mortgage/",
   "channel_en": "direct",
   "channel_es": "directo"
  },
  {
   "name": "Lower East Side People's FCU",
   "type": "cu",
   "coverage_en": "New York City residents",
   "coverage_es": "Residentes de la ciudad de Nueva York",
   "terms_en": "Mortgages for NYC residents with SSN or ITIN; co-ops, HDFC co-ops and 1-4 family properties; 80-97% LTV (3-20% down); repayment terms up to 30 years; transparent closing costs and financial counseling",
   "terms_es": "Hipotecas para residentes de NYC con SSN o ITIN; co-ops, co-ops HDFC y propiedades de 1 a 4 familias; 80-97% LTV (3-20% de entrada); plazos hasta 30 años; costos de cierre transparentes y asesoría financiera",
   "url": "https://www.lespeoples.org/requirements-mortgage",
   "channel_en": "direct",
   "channel_es": "directo"
  },
  {
   "name": "WEOKIE Federal Credit Union",
   "type": "cu",
   "coverage_en": "Oklahoma",
   "coverage_es": "Oklahoma",
   "terms_en": "10% min down (purchases up to 90% LTV); primary residence only; 2 years of tax returns filed with the ITIN; 30 days of recent paystubs; 30/20/15-year fixed; borrowers with no credit are eligible; cash-out refinance capped at 80% LTV and $50,000",
   "terms_es": "10% de entrada mínima (compras hasta 90% LTV); solo residencia principal; 2 años de declaraciones de impuestos presentadas con el ITIN; 30 días de talones de pago recientes; fijo a 30/20/15 años; se aceptan solicitantes sin historial de crédito; refinanciamiento con retiro de efectivo limitado a 80% LTV y $50,000",
   "url": "https://www.weokie.org/mortgage/itin",
   "channel_en": "direct",
   "channel_es": "directo"
  },
  {
   "name": "Redwood Credit Union",
   "type": "cu",
   "coverage_en": "Membership in 8 Northern CA counties; property anywhere in California",
   "coverage_es": "Membresía en 8 condados del norte de CA; propiedad en cualquier parte de California",
   "terms_en": "20% min down; requires an ITIN AND a valid Permanent Resident Card, Work Authorization Card or work visa — which excludes ITIN holders without work authorization",
   "terms_es": "20% de entrada mínima; exige ITIN Y una tarjeta de residente permanente, permiso de trabajo o visa de trabajo vigentes — lo que excluye a titulares de ITIN sin autorización de trabajo",
   "url": "https://www.redwoodcu.org/loans/home/itin-mortgages/",
   "channel_en": "direct",
   "channel_es": "directo"
  },
  {
   "name": "ACC Mortgage",
   "type": "nonqm",
   "coverage_en": "~44 states",
   "coverage_es": "~44 estados",
   "terms_en": "Up to 85% LTV (15% down); FICO from 620 or NO score with alternative credit; full-doc, 12-month bank statements, 1099 or P&L",
   "terms_es": "Hasta 85% LTV (15% de entrada); FICO desde 620 o SIN puntaje con crédito alternativo; documentación completa, 12 meses de estados bancarios, 1099 o P&L",
   "url": "https://accmortgage.com/itin-mortgage-program/",
   "channel_en": "through a mortgage broker",
   "channel_es": "a través de un bróker hipotecario"
  },
  {
   "name": "Angel Oak Mortgage Solutions",
   "type": "nonqm",
   "coverage_en": "46 states + DC",
   "coverage_es": "46 estados + DC",
   "terms_en": "Min FICO 640; max 80% LTV (20% down); purchase or rate-and-term to $750,000; cash-out to $550,000 at 75% LTV and 680 FICO; 30- or 15-year fixed; max DTI 50%; 12- or 24-month bank statement or full doc",
   "terms_es": "FICO mínimo 640; máximo 80% LTV (20% de entrada); compra o refinanciamiento de tasa y plazo hasta $750,000; retiro de efectivo hasta $550,000 con 75% LTV y FICO 680; fijo a 30 o 15 años; DTI máximo 50%; extractos bancarios de 12 o 24 meses o documentación completa",
   "url": "https://angeloakms.com/programs/itin-mortgage-loan/",
   "channel_en": "through a mortgage broker",
   "channel_es": "a través de un bróker hipotecario"
  },
  {
   "name": "A&D Mortgage",
   "type": "nonqm",
   "coverage_en": "Most states",
   "coverage_es": "La mayoría de estados",
   "terms_en": "Min FICO 660 with up to 80% CLTV on Prime and Super Prime; min FICO 700 and up to 70% CLTV on DSCR; loans to $1.5M; valid ITIN card or IRS ITIN letter plus unexpired government photo ID",
   "terms_es": "FICO mínimo 660 con hasta 80% CLTV en Prime y Super Prime; FICO mínimo 700 y hasta 70% CLTV en DSCR; préstamos hasta $1.5M; tarjeta ITIN vigente o carta del IRS más identificación oficial con foto no vencida",
   "url": "https://admortgage.com/programs/itin/",
   "channel_en": "through a mortgage broker",
   "channel_es": "a través de un bróker hipotecario"
  },
  {
   "name": "LoanStream Mortgage (OCMBC)",
   "type": "nonqm",
   "coverage_en": "Most states",
   "coverage_es": "La mayoría de estados",
   "terms_en": "Min FICO 660; up to 85% LTV purchase / 65% cash-out; loans to $1.5M; tax returns, bank statements, or DSCR",
   "terms_es": "FICO mínimo 660; hasta 85% LTV en compra / 65% en refinanciamiento con efectivo; hasta $1.5M; declaraciones, estados bancarios o DSCR",
   "url": "https://loanstreamwholesale.com/non-qm-itin/",
   "channel_en": "through a mortgage broker",
   "channel_es": "a través de un bróker hipotecario"
  },
  {
   "name": "Griffin Funding",
   "type": "nonqm",
   "coverage_en": "Most states",
   "coverage_es": "La mayoría de estados",
   "terms_en": "Down payments from 20%; loans to $5M; foreign credit reports and rent/utility history accepted (ITIN program now folded under foreign-national lending)",
   "terms_es": "Entradas desde 20%; préstamos hasta $5M; acepta reportes de crédito extranjeros e historial de renta/servicios (el programa ITIN ahora está bajo foreign-national)",
   "url": "https://griffinfunding.com/non-qm-mortgages/foreign-national-lending/",
   "channel_en": "direct",
   "channel_es": "directo"
  },
  {
   "name": "NJCC Statewide Down Payment Assistance (New Jersey Community Capital)",
   "type": "dpa",
   "coverage_en": "New Jersey",
   "coverage_es": "Nueva Jersey",
   "terms_en": "$10,000-$30,000 based on need, as a RECOVERABLE grant forgiven 20% a year over 5 years — the prorated balance is due if you sell or refinance the first mortgage inside that term; income at or below 100% of county HUD Area Median Income; primary residence (1-4 family) only; purchase price cap $625,000; pre-purchase counseling required; the program information sheet states ITIN holders are eligible",
   "terms_es": "$10,000-$30,000 según la necesidad, como subvención RECUPERABLE condonada 20% por año durante 5 años — el saldo prorrateado se debe si vende o refinancia la primera hipoteca dentro de ese plazo; ingresos iguales o menores al 100% del Ingreso Medio del Área (AMI) de HUD del condado; solo residencia principal (1 a 4 familias); precio de compra máximo $625,000; se exige asesoría previa a la compra; la hoja informativa del programa indica que los titulares de ITIN son elegibles",
   "url": "https://www.newjerseycommunitycapital.org/programs-initiatives/current-programs/address-yourself/",
   "channel_en": "via participating lenders",
   "channel_es": "vía prestamistas participantes",
   "terms_source_url": "https://www.newjerseycommunitycapital.org/wp-content/uploads/2024/01/NJCC-Statewide-DPA-Information-Sheet.pdf"
  }
 ]
}