ITIN Loans in Meridian, MS

Don’t have a social security number? For undocumented immigrants, the traditional loan process poses obstacles. But it is still possible to buy a home in Meridian or anywhere in the state of MS without one.

To provide our customers with a fast, easy alternative to applying for a loan with a social security number, we offer ITIN mortgages in Mississippi.

Apply for a Mortgage Without a Social Security Number in MS

When you apply for an ITIN home loan, you do not need to provide us with a social security number. Instead, just let us know your Individual Tax Identification Number (ITIN). You can document this with your ITIN Card.

Benefits of ITIN Loans in Mississippi

• With an ITIN home loan, no social security number is necessary to qualify for a mortgage.
• Don’t have an established credit score yet in the US? You may still be able to successfully apply for a mortgage through the ITIN loan process.
• You do not have to document your residency.
• While you might pay a higher mortgage rate for this type of loan than a corresponding conventional home loan, it may not be as high as it would be for a sub-prime loan.

Qualifying for an ITIN Mortgage in MS

• You can generally expect a higher down payment requirement for an ITIN loan than a conventional mortgage. But we can help with down payment assistance.
• Before you can use your ITIN number to apply for a mortgage successfully, you need to file tax returns with it for at least two years.
• As with other types of mortgages, you need to document two years of employment in a consistent capacity on a solid career track.
• Documentation of income is required. Bank statement ITIN loans are available to those who cannot prove income with traditional pay stubs.
• As with any type of home loan, a high credit score and low debt-to-income (DTI) ratio will qualify you for the most competitive rates and terms.

Apply Today for an ITIN Loan in Meridian

It is time to purchase the home of your dreams in Mississippi with a low down payment of just 3.5% and low or no closing costs. To get started now, please give us a call today at (601) 686-0445. We look forward to helping you move quickly and affordably into your home in Meridian or anywhere in MS.