ITIN & Non‑Permanent Resident Loans
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Last updated: August 2025
Welcome to TopOne Mortgage—your Rockville‑based correspondent lender connecting global talent to local real estate. With in‑house warehouse funding and bilingual expertise, we help ITIN holders and non‑permanent residents buy or refinance homes across Maryland, Northern Virginia, and Washington, D.C.—quickly and confidently.
What Makes an ITIN & Non‑Permanent Resident Loan?
- Eligibility (Status): ITIN holders and common visa categories (H-1, L-1, E-1/E-2/E-3, NATO, O-1, R-1, TN), per program guidelines.
- Loan amounts (2025): Up to $1.5 million on primary and second homes; higher with strong reserves.
- Non‑permanent resident visas: up to $3 million on most programs.
- Non‑permanent resident No FICO required; foreign credit or rent history accepted.
- Non‑permanent resident: up to 90 % LTV on primary homes (alt‑doc programs eligible).
- ITIN 80 % LTV with FICO ≥ 660 or 75 % LTV if borrower has no U.S. credit score.
- DTI: ≤ 50 % (may stretch to 55 % with large reserves).
- Down payment: 20 % – 30 % standard; as low as 15 % on purchase with compensating factors.
- Assets & income: Accepts foreign bank statements, CPA‑prepared P&L, or U.S. bank statements (12/24 mo).
- Reserves & Seasoning: Typically ~3 months of reserves; ITIN often requires 48 months since major credit events. Certain non-permanent visa programs may allow fewer months.
Why Choose an ITIN & Non-Permanent Resident Loan from TopOne?
Visa-savvy team: Experienced with ITIN, H-1B, L-1, E-1/E-2/E-3, O-1, TN, and DACA borrowers, with clear document checklists.
Alt-doc flexibility: Options such as 12–24 month bank statements, CPA-prepared P&L, and foreign credit/rent history.
Foreign assets accepted: Translated statements from Tier-1 international banks are typically supported.
Portfolio programs: Eligible options with no monthly PMI.
Fast pre-approvals: E-sign convenience and same-day scenario reviews in many cases.
Quick closings: 21–30-day closings backed by strong lending partners.
Single point of contact: One dedicated loan expert from application to funding—no hand-offs.