{"id":15285,"date":"2025-05-28T21:15:38","date_gmt":"2025-05-29T02:15:38","guid":{"rendered":"https:\/\/www.morty.com\/resources\/?p=15285"},"modified":"2025-07-29T13:25:49","modified_gmt":"2025-07-29T18:25:49","slug":"top-itin-loan-lenders-for-brokers","status":"publish","type":"post","link":"https:\/\/www.morty.com\/resources\/loan-officers\/lender-access\/top-itin-loan-lenders-for-brokers","title":{"rendered":"Top ITIN Loan Lenders for Brokers"},"content":{"rendered":"\n

ITIN loans are designed for borrowers who do not have a Social Security number but can demonstrate their ability to repay a mortgage using an Individual Taxpayer Identification Number (ITIN). These borrowers are often overlooked by traditional lenders, making ITIN loans an important niche in the non-QM space.<\/p>\n\n\n\n

As a mortgage broker, offering ITIN loans can be a powerful way to serve a wider client base while standing out in your market. Only brokers working with wholesale lenders typically have access to these products, which aren\u2019t offered through retail channels.<\/p>\n\n\n\n

For more background on these loans, see our deep dive: ITIN Loans: How to Help Foreign National Borrowers<\/a>. You can also check out our guides to top dscr lenders<\/a> and top asset depletion lenders<\/a> for other non-QM lending opportunities.<\/p>\n\n\n\n

Real-World Borrower Scenarios<\/h2>\n\n\n\n

These examples illustrate the types of clients who may benefit from ITIN loans, particularly when traditional mortgage products aren\u2019t a fit.<\/p>\n\n\n\n

The long-time U.S. resident looking to purchase a primary home<\/strong>
A borrower who has lived and worked in the U.S. for over 10 years files taxes with an ITIN. They have strong credit, consistent income, and a significant down payment.
Why ITIN is a good fit:<\/strong> Traditional lenders may turn them away due to lack of a Social Security number, but ITIN loans allow them to qualify based on verified documentation and tax filings.<\/p>\n\n\n\n

The self-employed immigrant business owner<\/strong>
A borrower runs a successful cash-based business and has bank statements and P&L statements to show income but no W-2s.
Why ITIN is a good fit:<\/strong> This borrower may be a match for a bank statement ITIN loan or P&L-based program, available only through select wholesale lenders.<\/p>\n\n\n\n

Top Lenders Offering ITIN Loans Through Morty<\/h2>\n\n\n\n
Lender<\/strong><\/th>Website<\/strong><\/th>Highlights<\/strong><\/th><\/tr>
NewFi<\/strong><\/td>newfiwholesale.com<\/a><\/td>Flexible programs including ITIN and graduated payment options.<\/td><\/tr>
BluePoint<\/strong><\/td>bluepointmtg.com<\/a><\/td>Broad non-QM access, including ITIN and 12-month bank statements.<\/td><\/tr>
Champion Funding<\/strong><\/td>championwholesale.com<\/a><\/td>Offers ITIN loans, no-ratio, and foreign national programs.<\/td><\/tr>
PRMG<\/strong><\/td>prmg.net<\/a><\/td>Offers ITIN loans with flexible overlays and document options.<\/td><\/tr>
Orion<\/strong><\/td>orionlending.com<\/a><\/td>Full non-QM suite including ITIN, P&L, and asset depletion options.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

What Underwriters Look for in ITIN Loans<\/h2>\n\n\n\n

While programs vary by lender, here are typical components ITIN underwriters evaluate:<\/p>\n\n\n\n