🏡 ITIN LOAN PROGRAM

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• Borrowers with a valid ITIN number
   
• Individuals who file U.S. tax returns under their ITIN
   
• W-2 employees, self-employed, 1099 contractors, and business owners
   
• First-time or repeat buyers, and real estate investors
   

• Up to 85% LTV with 700 FICO
   
• Credit scores down to 620 accepted — even no credit score allowed (up to 75% LTV)
   
• Max DTI: 50%
   
• Gift funds allowed for down payment and closing costs
   
• Multiple income verification options:
   
  • Full Documentation
     
  • 12-Month Bank Statements
     
  • 1099 Only (12 Months)
     
  • P&L Only (12 Months)
     
• Only 1 year self-employment required
   
• 3 months reserves required
   
• DSCR available for investors (up to 75% LTV purchase / 65% LTV refinance; max $1M loan)
   

• Ideal for borrowers without a Social Security number
   
• Flexible guidelines for income and credit
   
• Opportunity to build equity and own property in the U.S.
   
• Available for primary residence and investment properties
   

If you have a valid ITIN and a desire to buy or invest in property, we’re here to help make it happen.

Robert St. John
Loan Officer | Barrett Financial Group
📧 robert.stjohn@barrettfinancial.com
📱 866-845-6267 (866-84-LOANS)
🌐 stjohnloans.com
NMLS #1578510 | Corporate NMLS #181106
Licensed in CA, AZ, TX, NV (Barrett Financial licensed in 49 states)