What is an ITIN home loan?

An ITIN home loan is a mortgage option that may allow borrowers who use an Individual Taxpayer Identification Number (ITIN) to apply for home financing. Availability, terms, and documentation requirements vary by program and borrower profile.

Can non-permanent residents still qualify for FHA loans?

This page notes an update dated March 26, 2025 stating that HUD updated FHA borrower residency requirements and removed eligibility for non-permanent residents. Borrowers should confirm current eligibility requirements with a licensed mortgage professional.

What ITIN loan options are available through Castle & Cooke Mortgage?

Castle & Cooke Mortgage may offer ITIN home financing options through Non-QM channels. Program availability and guidelines depend on the specific loan product and borrower qualification.

What are the general qualification criteria referenced on this page?

The page lists example criteria including: minimum 660 credit score, maximum 50% debt-to-income ratio (DTI), loan limits up to $1.5 million, and potential use for primary residence purchases or investment properties. Final eligibility depends on underwriting and program guidelines.

How do I get started or confirm eligibility?

Contact a Castle & Cooke Mortgage loan officer to discuss ITIN loan options, documentation needs, and available programs based on your specific scenario.

ITIN Home Financing Options | Castle & Cooke Mortgage

Note: On March 26, 2025 - The US Department of Housing and Urban Development updated their residency requirements for Borrower eligibility regarding FHA Home Loans, removing eligibility for non-permanent residents.

However, Castle & Cooke Mortgage is still able to offer flexible home loan options for non-permanent residents through our Non-QM channels. Read on for more details and criteria.

Here at Castle & Cooke Mortgage, we take pride in offering comprehensive home financing solutions tailored to meet the needs of non-permanent residents. We understand that traditional mortgage options may not always be accessible to everyone, which is why we're committed to offering ITIN loans designed to make homeownership achievable to many.

Minimum Credit Score: A minimum credit score of 660 is required, ensuring that applicants have a solid financial foundation.

Maximum Debt-to-Income Ratio (DTI): With a maximum DTI ratio of 50%, we strive to ensure that borrowers can comfortably manage their mortgage payments.

Generous Loan Limits: ITIN loan products offer loan limits of up to $1.5 million, providing flexibility and opportunity for a variety of housing needs.

Versatile Usage: Whether you're looking to purchase a primary residence or a second home, ITIN loan products can be utilized for both purposes.

We firmly believe that homeownership is a cornerstone of the American Dream, and we're dedicated to making that dream a reality for all individuals, regardless of their residency status. By offering ITIN loans, we strive to level the playing field and empower non-permanent residents to achieve the stability and security that comes with owning a home.

Contact Us Today

Ready to take the first step towards homeownership? Contact a Castle & Cooke Mortgage loan officer today to learn more about ITIN loan options and find the financing solution that's right for you. Our team is here to guide you through the process and help you achieve your homeownership goals.

Empowering Non-Permanent Residentswith Home Financing Options

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Empowering Non-Permanent Residents
with Home Financing Options