ITIN Mortgage Loans, Visa Home Loans, and Low Documentation Options
Simplify Your Home Financing with Low Documentation and No Documentation Home Loans.
Not everyone fits the standard mold when it comes to qualifying for a mortgage, and that's where our ITIN Mortgage Loans, Visa Home Loans, and Low Documentation Mortgage Loans come in. We offer flexible options for individuals without a Social Security Number, those with visa statuses, and self-employed borrowers who may not have traditional income verification. Whether you’re working with a 1099 income or need a low or no documentation loan, we have solutions that can help you secure the financing you need with as little as 5% down. Ready to explore your options? Call us today for a free, no-obligation consultation.
Contact UsAccessible Mortgage Solutions for Non-Traditional Borrowers
ITIN Mortgage Loans
ITIN Mortgage Loans provide financing opportunities for individuals without a Social Security Number, using an Individual Taxpayer Identification Number (ITIN) instead. These loans are ideal for borrowers who have non-traditional financial situations but are committed to purchasing a home in the U.S. With flexible terms and the option to put as little as 5% down, ITIN Mortgage Loans make homeownership accessible for a wider range of buyers.
- Available for individuals without a Social Security Number.
- Requires an ITIN and proof of income.
- Flexible down payment options, starting as low as 5%.
- Suitable for first-time homebuyers or those expanding their property ownership.
Visa Home Loans
Visa Home Loans are designed for non-U.S. citizens living and working in the country on valid work or residence visas. These loans recognize the unique challenges faced by visa holders in securing financing and provide a pathway to homeownership with competitive terms and rates. Whether you’re on a work visa, student visa, or another type of valid visa, these loans help you invest in a home without needing permanent residency.
- Available for various visa types, including H-1B, L-1, O-1, and more.
- Competitive rates and flexible qualification criteria.
- Allows for home purchase or refinancing.
- Supports building a credit profile in the U.S. through homeownership.
Low Documentation Mortgage Loans
Low-documentation mortgage Loans offer an alternative for borrowers who may not have traditional income verification methods, such as pay stubs or W-2s. These loans use alternative documents like bank statements, asset documentation, or CPA-prepared profit and loss statements, making them a great option for self-employed individuals or those with fluctuating incomes.
- Suitable for self-employed, freelancers, and those with irregular income.
- Uses bank statements, asset verification, or CPA-prepared documents for qualification.
- Flexible terms and competitive interest rates.
- Ideal for buyers who may not qualify through traditional mortgage routes.
No Documentation Home Loans
No Documentation Home Loans cater to borrowers who prefer not to disclose detailed income information or who have complex financial profiles. These loans emphasize creditworthiness and asset strength, making them an attractive option for those seeking privacy or who have difficulty meeting traditional loan documentation requirements.
- Minimal income verification required
- Suitable for borrowers with strong credit and substantial down payment.
- Offers privacy and a simplified application process.
- Ideal for those with unique financial situations or investment income.
Stafford Home Mortgages & Financial Services offers ITIN Mortgage Loans, Visa Home Loans, and Low Documentation Options to clients across Andrews, Big Spring, Midland, Odessa, and the surrounding areas.