ITIN Mortgage Loans in South Carolina — Compre una Casa con su ITIN
Home Loans Inc. originates ITIN mortgage loans in South Carolina for borrowers who live and work in the United States but do not have a Social Security number. If you have an Individual Tax Identification Number, you may qualify to purchase or refinance a home - no SSN required.
Si usted vive y trabaja en los Estados Unidos y tiene un Numero de Identificacion Personal del Contribuyente (ITIN), puede calificar para comprar o refinanciar una casa. No se requiere numero de seguro social. Nuestro equipo bilingue esta listo para ayudarle.
What Is an ITIN Mortgage Loan?
An ITIN mortgage loan is a residential mortgage program designed specifically for borrowers who use an Individual Tax Identification Number (ITIN) for tax purposes rather than a Social Security number.
The IRS issues ITINs to individuals who are required to have a U.S. taxpayer identification number but are not eligible for a Social Security number - including nonresident aliens, resident aliens, and their dependents. An ITIN does not authorize work in the U.S. and does not provide eligibility for Social Security benefits, but it does allow you to file taxes - and for borrowers who have been filing taxes and building financial history in the U.S., an ITIN mortgage loan is a real path to homeownership.
Home Loans Inc. accesses ITIN loan programs through our wholesale lender network. These are fully amortizing residential mortgage loans - not hard money, not short-term bridge loans. They are structured exactly like conventional mortgages with standard 30-year terms and fixed rates.
Programa ITIN - Lo Que Necesita Saber
El programa de prestamo hipotecario ITIN de Home Loans Inc. esta disenado para compradores de vivienda que viven y trabajan en los Estados Unidos y presentan sus impuestos usando un ITIN.
No se requiere numero de seguro social. No se requiere ciudadania estadounidense. Lo que importa es su historial de pago, sus ingresos documentados, y su capacidad de hacer el pago inicial requerido.
Nuestro equipo incluye oficiales de prestamos bilingues que pueden guiarle a traves de todo el proceso hipotecario completamente en espanol - desde la pre-aprobacion hasta el cierre. Llamenos al 843-LOW-RATE y solicite servicio en espanol.
ITIN Loan Program Highlights
Here are the key features of the ITIN mortgage program available through Home Loans Inc:
Loan amounts starting at $50,000 - accessible for a wide range of purchase prices throughout the Lowcountry. Minimum 15% down payment required - gift funds are allowed toward the down payment, making this accessible for buyers who have family support.
No prepayment penalties - you can pay the loan off early or refinance without penalty at any time. No reserves required - you do not need months of mortgage payments sitting in savings after closing.
Purchase or refinance options - the program works for both new purchases and refinancing an existing home. Credit requirement - minimum 600 credit score OR no credit history borrowers may qualify. No SSN required - your ITIN is your qualifying identification.
The 15% minimum down payment is the primary threshold for this program. Buyers who have saved 15% or more of their target purchase price and have been filing U.S. taxes using their ITIN are strong candidates.
Who Uses ITIN Loans in the Lowcountry
The Charleston metro - particularly North Charleston, Goose Creek, Summerville, and Ladson - has a significant population of immigrant workers who have been living, working, and paying taxes in the United States for years. These borrowers have stable employment, consistent income, and the financial discipline to save a down payment - but lack a Social Security number.
Common employment situations we see among ITIN borrowers: construction and trades workers serving the Summerville and North Charleston building boom. Manufacturing employees at Boeing, Volvo, and Mercedes-Benz Vans. Hospitality and restaurant workers in the growing Charleston food and tourism economy. Transportation and logistics workers serving the Port of Charleston. Small business owners who operate under an EIN and pay taxes through their ITIN.
If you have been in the U.S. for years, have steady income, and have been filing taxes - you may be closer to homeownership than you think.
El Proceso de Prestamo ITIN en Home Loans Inc.
El proceso de prestamo ITIN es similar al de cualquier hipoteca convencional. Aqui esta lo que puede esperar:
Paso 1 - Consulta inicial: llame al 843-569-7283 y solicite hablar con nuestro equipo en espanol. Le explicaremos el programa, revisaremos su situacion, y le diremos si califica antes de que presente cualquier documentacion.
Paso 2 - Documentacion: necesitara su ITIN, historial de declaraciones de impuestos de los ultimos 2 anos, comprobantes de ingresos (talones de pago, cartas del empleador, o estados de cuenta bancarios), y documentacion del pago inicial.
Paso 3 - Pre-aprobacion: una vez revisada su documentacion, emitimos una carta de pre-aprobacion en 24-48 horas.
Paso 4 - Busqueda de vivienda: con su carta de pre-aprobacion en mano, puede trabajar con un agente de bienes raices para encontrar su hogar dentro de su presupuesto aprobado.
Paso 5 - Cierre: el cierre toma tipicamente 30-45 dias desde la aceptacion del contrato. Coordinamos todo el proceso y le mantenemos informado en cada paso.
Q: Can I buy a home in South Carolina with an ITIN number?
A: Yes. Home Loans Inc. has access to ITIN mortgage loan programs that allow you to purchase a primary residence using your Individual Tax Identification Number instead of a Social Security number. Minimum 15% down payment required. Call us to discuss your specific situation.
Q: Do I need a Social Security number to get a mortgage?
A: Not for an ITIN loan. The ITIN mortgage program is specifically designed for borrowers who file U.S. taxes using an ITIN. No SSN is required and no citizenship documentation is required for the loan itself.
Q: What credit score do I need for an ITIN mortgage?
A: A minimum 600 credit score is required for most ITIN programs. However borrowers with no established U.S. credit history may also qualify through alternative credit documentation - utility payment history, rental payment history, and other non-traditional credit sources. Call us to discuss your credit situation.
Q: How much do I need for a down payment on an ITIN loan?
A: A minimum of 15% down payment is required. Gift funds from family members are allowed toward the down payment. You do not need to have the full 15% in your own savings - family contributions are permitted with proper documentation.
Q: Puedo obtener una hipoteca sin numero de seguro social?
A: Si. El programa de prestamo ITIN esta disenado exactamente para esa situacion. Si usted tiene un ITIN y ha estado declarando impuestos en los Estados Unidos, puede calificar para comprar una casa con un pago inicial del 15%. Llamenos al 843-569-7283 y nuestro equipo bilingue le explicara todo el proceso en espanol.
Q: Can I refinance my current home using an ITIN loan?
A: Yes. The ITIN program includes both purchase and refinance options. If you currently own a home and want to refinance - to lower your rate, access equity, or change your loan terms - the ITIN program may be available for that purpose as well. Call us to review your specific situation.
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NMLS: 1281448 | COMPANY NMLS: 1728740
Home Loans Inc: Jason Sharon, Mortgage Broker |
2557 Ashley Phosphate Rd,
North Charleston, SC 29418 |
(843) 569-7283 | www.homeloansinc.com
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