Please ensure Javascript is enabled for purposes of website accessibility

ITIN Mortgage

We make home loans for non-citizens with a valid Individual Taxpayer Identification Number.

~|expeditedssl~|font-awesome~|solid

Safe & Secure ITIN Mortgages

North Jersey FCU specializes in ITIN Lending. We offer great solutions for those that cannot provide citizenship criteria, then referring to Individual Tax Identification Number (ITIN)

ITIN Mortgage

We make home loans for non-citizens with a valid Individual Taxpayer Identification Number.

North Jersey FCU also makes FHA & Traditional Mortgages.

ITIN Mortgage

ITIN Mortgage Benefits:

  • As low as 20% down with No PMI (Private Mortgage Insurance)
  • Debt to Income Ratio’s Front# 35%, back number 45%, no higher, no exceptions
  • Credit Score 660 or Higher
  • Need to have minimal 3 trade lines on credit report, 2 years or older
  • Need to show alternate form of credit as well, 2 years history for Cable, Rent and/or Utility.
  • Letter from Land Lord verifying length of time at residence and confirm rent was paid on-time for 24 months.
  • Valid and using the same ITIN file taxes for at least 2 years.
  • No Sellers Concessions allowed.
  • Need to show enough money for down payment, closing costs and 2 months payment reserves.
  • Once pre-approved, verification of transcripts with IRS (4506T), VOE and Completing a First Time.
  • North Jersey FCU Homebuyers Class will be required.

ITIN Mortgage Highlights

  • Home Mortgage Loans Only
  • Required minimum down-payment is 20% of home value
  • Use Tax Return or Bank Statements to document income
  • Most property types are accepted
  • Quick closings
  • Fixed Mortgage rate with a 15, 20, or 30-Year Term
    • Purchasing or Refinancing Home Mortgages
ITIN Mortgage Highlights

If you have an ITIN number: Achieve your financial goals and get new opportunities.

We make home loans for non-citizens with a valid Individual Taxpayer Identification Number.

IRA2

We are here to help. For more information, contact our mortgage department

For more information, contact our Mortgage Department Call 973-785-9200 ext. 3355 or email: [email protected]

Additional Mortgage Products:

Fixed Rate Mortgage

Fixed Rate Mortgage

Our mortgage team works with you to ensure that you get the options tailored to meet your needs.

Refinance Mortgage

Refinance Mortgage

We may be able to provide you with a lower monthly payment and put the family budget back on track.

Adjustable Rate Mortgage (ARM)

Adjustable Rate Mortgage

With An NJFCU Adjustable Rate Mortgage (ARM) you will discover cost saving features like competitive rates with a confident credit union.

Member Login

Online Banking: