ITIN guidelines

What's inside

The full ITIN guidelines, 10 parts and 66 topics, searchable by topic. Sign in to open any of them.

• Matrices1 topicsFull / Bank Statements / 1099 Documentation Qualification
• Program and products9 topicsCompliance, Income Verification, Loan Terms, Qualifying Ratios
• Borrowers5 topicsNon-Occupant Co-Borrowers, First Time Home Buyers, Eligible Borrowers, ITIN Documentation Requirements
• Credit5 topicsCredit Report, Credit Score Requirements, Tradelines Requirements, Significant Adverse Credit (BK, SS, DIL, Charge-Off, FC)
• Assets and reserves3 topicsReserves Requirements, Assets and Source of Funds, Unacceptable Funds
• Property and appraisal7 topicsProperty Requirements, Appraisal Requirements, Declining Markets, Appraisal Transfer
• Transactions6 topicsPurchases, Rate/Term, Cash-Out (Only allow on 2 years full documentation), Properties Previous Listed for Sale
• Income and DTI10 topicsCredit Report Data Included in DTI Ratios, Income/Employment, Employment History, Child Support or Alimony
• Alternative documentation8 topicsAlternative Income Documentation, General Bank Statement Analysis, Alt Doc Business Bank Statements 12 or 24 Months, Co-Mingled Bank Statement
• Closing and other requirements12 topicsNon-Arm’s Length Transaction, 1031 Exchange, Seller Concessions, Home Equity Line of Credit (HELOC)