"Foreign National" (A/K/A ILLEGAL) Loans | ITIN Loans

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New 0% Down Payment Assistance For ITIN & SSN Holders With A Minimum Credit Score of 580!


SEE: https://www.andresmejerlaw.com/

Buying a House as an Undocumented Immigrant in the U.S.

What ITIN Mortgage Loans Offer

Below are some of the advantages that ITIN mortgage loans offer:

No social security number required!

You are NOT required to be a U.S. citizen.

Loan amounts available from $150,000 to $7,500,000.

75% Max LTV – Purchase or Cash Out Refinance.

Option to use tax returns or bank statements to document income.


ITIN Lending in America

What Bank Or Mortgage Companies Do ITIN Loans?

SEE: https://houseofdebt.org/what-bank-or-mortgage-companies-do-itin-loans/;

republished below in full unedited for informational, educational & research purposes:

This post may contain affiliate links. This means we may earn a commission if you decide to make a purchase through our links. Please read our disclosure for more info.

Financing can be difficult for people with no established credit standing. Aside from credit standing, there are also other relevant factors considered in getting loans. In the United States, most loans require a Social Security Number (SSN). However, not all people in the US have an SSN. Why? Probably, these people are immigrants.

Immigrants usually do not possess true American citizen privileges, and one exclusive privilege that Americans enjoy is the SSN. How can immigrants find greener pastures in the US if they can’t even acquire a house? Well, things like ITIN (Individual Taxpayer Identification Number) loans allow immigrants to improve their lives in the Land of the Free.

In this article, we’ll briefly discuss the nature of ITIN loans and where you can get them. And more importantly, we’ll give the top 3 ITIN lenders that we deem to be the best companies in ITIN loans.

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3 Best Mortgage Lenders for ITIN Loans

Of all the mortgage lenders out there, we found three companies that reached our expectations in terms of four different criteria:

  • Loan products
  • Convenience
  • Rates and fees
  • Transparency of rates

Disclaimer: Take note that rates are not publicly disclosed on the company’s websites to keep a competitive environment against competitors. If you want to know the rates, you’ll know the quoted rate once you follow through with the application process.

Covid-19 Advisory: Due to the ongoing pandemic, the usual lead or processing time of loan applications is affected. More likely than not, loan applications will take longer than usual. Moreover, some loan products may not be available as well.

1. Better.com

First on the list is Better.com. One unique feature about this mortgage lender is that they operate entirely online. They don’t have brick-and-mortar stores where borrowers can go when applying. What we liked about Better.com is their fully-automated, online, and 24/7 services to their clients.

Upon application, Better.com has a drop-down list of all the loan products available, including ITIN loans. So you have to go through the process to see their products. We can give Better.com a 10/10 score in terms of online convenience, especially now that there’s a pandemic. Going out is a big threat to everyone’s health and obtaining financing online is a big plus.

Better.com says that they don’t charge application, origination, and underwriting fees. Lesser fees mean good news because borrowers can fully maximize the loan amount. If you want to see generalized rates, click this link. However, personalized rates are given only during the application process. The minimum credit score for Better.com loans is 620.

2. SunTrust

Next on the list is SunTrust Mortgages. Just like Better.com, SunTrust offers a variety of mortgage options, including ITIN loans. SunTrust also offers government-backed loans amid the ongoing pandemic. But since our main concern here is ITIN loans, SunTrust caters to immigrant borrowers as well.

The online application is also available at SunTrust. However, their online application is not as comprehensive as Better.com’s online system. They offer an easy online application process, so you should not have a hard time with the loan application process.

Generalized rates are available on their website. You can click this link to check it out. However, personalized rates are available only upon completion of the application form. The minimum credit score for SunTrust is 620.

3. Bank of America

Known as one of the biggest banks worldwide, Bank of America is your go-to choice in terms of financial stability and reputation. In terms of loan products, Bank of America has a wide variety of home mortgage loans depending on the consumer’s needs, with ITIN loans included.

As a popular and well-established bank, Bank of America’s online system is streamlined from customer service to the loan application process. We can say that they are on par with Better.com’s online system in terms of features. Existing customers of this bank will fully enjoy their online banking features.

Generalized rates are available on their website to give you an idea of the cost of financing. But just like Better.com and SunTrust, personalized rates are available after the application process. If you want to see their generalized rates, click this link. The minimum credit score for Bank of America is 620.

Can I Get an ITIN Loan if I Don’t Have a Credit Score?

The financial institutions above mention a minimum credit score of 620. However, you should remember that they’re the cream of the crop in this industry. If you don’t have a high credit score, you can still get an ITIN loan. You just need to look for lenders who (1) accept ITIN in lieu of SSN and (2) offer loans that don’t put too much consideration on your credit history.

What is an ITIN?

ITIN stands for Individual Taxpayer Identification Number. The Internal Revenue Service (IRS) is the issuer of ITIN. The IRS gives ITINs to taxable individuals without SSN. An ITIN has nine digits that always begin with a nine and include a 7 or 8 as the fourth digit.

Who needs an ITIN?

Since ITIN holders don’t have SSN, these individuals do not qualify for the Social Security Administration requirements. Thus, the following individuals require an ITIN when in the United States:

  • Resident Aliens filing a tax return with the IRS
  • Non-resident Aliens filing a tax return with the IRS
  • Dependent(s) or spouse of Citizen or Resident Alien
  • Dependent of a spouse of a Non-resident Alien visa holder

Take note the ITIN doesn’t consider your immigrant status. As long as you’re required to file tax returns, you need to ask for an ITIN from the IRS. To know more about the alien tax status, click this website to see the various tests that the IRS uses.

What are ITIN Loans?

ITIN loans are financing agreements that don’t require an SSN. It is a mortgage option available to immigrants or people who are still processing their US citizenship application. With an ITIN loan, immigrants can access additional financing sources and acquire houses even with the absence of an SSN.

Advantages of ITIN Loans

Apart from SSN, ITIN loans don’t require a residency requirement. In other words, it won’t need a Green Card to prove legal residency. Aside from acquiring mortgages, you can also access mortgage refinancing with an ITIN.

In fact, mortgage refinancing happens in reality to most ITIN holders, especially if the real estate market makes interest rates more favorable. Lastly, ITIN loans can also help in credit building. If you’re still new in America, building a credit score is vital if you want to be eligible for prime mortgage offers. Thus, starting with an ITIN loan is a good stepping stone.

Disadvantages of ITIN Loans

The major disadvantage we can think of is if you don’t have an ITIN yet. If you already have one, then there’s no problem. However, the problem arises if you don’t have an ITIN. Applying to the IRS is easy, but it will take about four to six weeks to get your number.

Thus, if you badly need money now and have no ITIN, you’re in a major predicament. Another disadvantage is the high denial rate in ITIN applications. But, don’t be discouraged. Most denials are due to inadequate requirements and unacceptable identification proofs. However, as long as you comply with the needs and present valid documents, you’ll have no problem here.

Third, most banks don’t offer ITIN loans. The financial institutions mentioned above are the famous companies that provide loans to immigrants. Unfortunately, most commercial banks don’t provide ITIN loans. You can most likely find ITIN loans in private financial institutions and credit companies.

And finally, ITIN borrowers are vulnerable to predatory lending. Why and how? It’s because many immigrants in the US come to the country illegally. Predatory lenders use this opportunity to impose higher down payments and interest rates with a threat of exposure to US Immigration. If you want to learn more about the lending practices in the immigrant community, check out this study from the Kirwan Institute at the Ohio State University.

How Can I Get a Loan with an ITIN Number?

First and foremost, you need to have an ITIN number. If you already have one, you can proceed to the financial institution that offers ITIN loans. You can start with the companies mentioned above. However, you can also shop around and look for better offers. In the meantime, here’s a quick run-through of the ITIN application process.

  1. Apply before April 15. The deadline for tax filing is April 15. So if you plan to submit after the current tax season, you have until April 16 of the current taxable year until April 14 of the following taxable year. However, it’s recommended to accomplish your application before or after the busy tax season.
  2. Submit via mail the W-7 form, including proof of identity documents in the address indicated in the form.
  3. Wait for the IRS to mail you within four to six weeks.

You can contact the IRS at their toll-free number 1-800-829-1040 or visit this page for written instruction for detailed guidance on the application.


An ITIN loan is a great financial assistance to immigrants in the US. It is an excellent opportunity for them to discover greener pastures in the land of milk and honey. However, whether we like it or not, the sad truth is that America is not equally green for everyone. Even if ITIN loans are available to immigrants, it’s still hard to access this type of financing due to its limited supply in the financial services market.

But with proper guidance and skepticism, you can find a genuine and honest ITIN lender. Overall, there’s nothing bad about ITIN loans. It’s just hard to get one, considering that many applications get rejected due to insufficient documents of proof. But as long as you follow the requirements, there’s a high assurance that you’ll get the loan. What do you think of the ITIN loan? Share your thoughts in the comment section below.







IRS Acceptance Agent Program FOR FORMS W-7

SEE: https://www.irs.gov/individuals/international-taxpayers/acceptance-agent-program;

republished below in full unedited for informational, educational & research purposes:

Section 203 of the Protecting Americans from Tax Hikes Act, enacted on December 18, 2015, included provisions that affect the Individual Taxpayer Identification Number (ITIN) application process. Taxpayers and their representatives should review these changes, which are further explained in these Frequently Asked Questions, before requesting an ITIN.

The following is a public list of Acceptance Agents for Forms W-7. This list is updated quarterly.

National/International CPA Firms *

  • Deloitte and Touche, LLP
  • Ernst & Young LLP
  • PricewaterhouseCoopers LLP
  • BDO

* Check local telephone directory for nearest location.

* Acceptance Agents are denoted with an asterisk. Certifying Acceptance Agents are not denoted with an asterisk.

Acceptance Agents Outside of the U.S.

U.S. Acceptance Agents by State




KILLING is okay if you’re TRIGGERED: Charlestown High School in Boston tells students that assassination is a legitimate way to resist “oppression”

Image: KILLING is okay if you’re TRIGGERED: Charlestown High School in Boston tells students that assassination is a legitimate way to resist “oppression”


SEE: https://www.naturalnews.com/2022-07-21-charlestown-high-boston-students-assassination-resist-oppression.html;

republished below in full unedited for informational, educational & research purposes:

(Natural News) Immigrant children fresh from Central and South America, the Caribbean and China are now being taught at a Boston public school that assassinating people you don’t like is sometimes appropriate in order to resist “oppression.”

Humanities teachers at Charlestown High School who are part of the Sheltered English Immersion program are reportedly telling ninth- and tenth-grade students in the program that they need to “critically examine when certain forms of resistance might be appropriate,” one of them being the assassination of political figures.

The website of the Boston Teachers Union (BTU) contains curriculum documents outlining “notes and assignments around oppression, resistance, and narrative structure,” which include “detailed note-taking sheets and powerpoints [sic] on institutional, interpersonal, and internalized oppression.”

Instead of teaching these children new to America about our nation’s history, as well as how to read and write, employees at Charlestown High School are telling them about three different types of oppression: “Institutional,” “Interpersonal,” and “Internalized” – only one of these three words actually being spelled correctly on the worksheets.

One listed example of oppression at the institutional level is “Trump builds a wall on the border so it is harder for Latinos to enter the U.S.” One example of interpersonal oppression is “A husband tells his wife she must stay home to cook and clean.”

As for internalized oppression, one example used is “An Asian girl hates her eyes, she thinks she is ugly so she gets surgery to change them.”

Former teacher says she’s “disgusted” by these worksheets

After reading these examples, the students were then told to come up with their own examples based on the samples, as well as solutions including boycotts, sit-ins, petitions, and other “peaceful protest” methods.

Also presented were examples of violent forms of revolt, including riots with masked protesters throwing projectiles, people fighting and political assassinations, the latter of which was presented alongside an image of President Richard Nixon in crosshairs.

The first thing these students learning English as a second language (ESL) are being told upon entry into the United States is that the country is oppressive and that assassination is one way to respond to that oppression.

“These English language learners [in these classrooms] are likely new immigrants to the country, coming to this country to experience freedom, [but in Boston] they’ve run smack dab into Marxist indoctrinators posing as educators,” warns Rebecca Friedrichs, the founder of the advocacy group For Kids & Country.

Also the author of “Standing up to Goliath: Battling State and National Teachers’ Unions for the Heart and Soul of our Kids and Country,” Friedrichs, who worked as a teacher for 28 years, says she is “disgusted” by what she saw on these worksheets, calling the material “damaging and dangerous.”

“Schools are meant for educating children, not indoctrinating them in radical ideology,” she added in a statement. (Related: America’s public schools are also indoctrinating students to become transgenders.)

Award-winning international journalist and executive director of the advocacy group Public School Exit Alex Newman agrees. He says that the material at Charlestown High School is “clearly designed to indoctrinate children into seeing themselves as victims of oppression.”

“They seem to be promoting revolt and resistance to legitimate forms of authority,” he told The Epoch Times, pointing specifically to the idea that the way to deal with oppression is to “overthrow” it.

“Legitimate authorities must be brought down if they want to impose new authorities,” Newman added, defending the status quo. This “indoctrination program,” as he called it, is “an extension of that same lawless agenda.”

The latest news about the brainwashing of children at America’s public schools can be found at Propaganda.news.

Sources for this article include:



GOP Fights Biden Immigration Changes that Facilitate Entry to Terrorists


SEE: https://thenewamerican.com/gop-fights-biden-immigration-changes-that-facilitate-entry-for-terrorists/;

republished below in full unedited for informational, educational & research purposes:

Congressional Republicans are taking aim at recent policy changes by the White House that they argue make it easier for individuals affiliated with terror groups, such as the Iranian government, to immigrate to the United States.

Several members of the House’s GOP caucus have spoken out following reporting by the Washington Free Beacon that noted changes the State and Homeland Security departments made last week to federal immigration law that afford “immigration benefits or other status” to individuals who have given “significant material support” to designated terror groups.

According to the Federal Register, individuals who would now qualify for immigration benefits under the newly created category include those who gave “humanitarian assistance” or “routine commercial transactions” to terrorist organizations.

While the State Department claimed the amendment is intended to facilitate entry to the United States for Afghans who unwittingly worked for terror groups, critics of the shift say the language is too vague and opens the door for terrorist allies to come into the country.

One issue, detractors say, is that the changes do not include language to specifically restrict groups such as al-Qaeda and Iran’s Islamic Revolutionary Guards Corps (IRGC), the paramilitary force known for orchestrating attacks on Americans.

A bill introduced by Representative Jim Banks (R-Ind.) and 14 other lawmakers from the House Republican Study Committee (RSC) aim to close the loopholes in the administration’s changes by requiring that any foreign national applying for a U.S. visa or citizenship reveal any links to Iran or the IRGC.

One of the bill’s co-sponsors, Representative Lisa McClain (R-Mich.), told the Free Beacon: “I am shocked that disclosing Iranian and IRGC affiliations was not already a requirement for U.S. visa applications. Iran has shown us time and time again that they are no friend of the United States.”

The outlet notes of the proposal:

The legislation, which is likely to garner widespread Republican support but stall in the Democrat-controlled House, would force the State and Homeland Security Departments to “ask about an alien’s affiliation with the Iranian state and the IRGC on visa, permanent residency, and naturalization application forms,” according to a full copy of the bill.

“By requiring these carefully crafted questions in our immigration vetting process, the bill aims to strengthen immigration accountability and transparency and provide more data for the Department of State and Department of Homeland Security to better evaluate potential US national security threats,” the RSC wrote in its internal policy brief on the legislation.

But making America more vulnerable to its enemies has been a recurring theme for the Biden White House.

As The New American has reported, China now far outpaces the United States in weapons acquisition, obtaining new technology at five times the speed and one-fifth the price of America.

“In purchasing power parity, they spend about one dollar to our 20 dollars to get to the same capability,” Major General Cameron Holt, who serves as deputy assistant secretary of the Air Force for acquisition, recently said during a speech in San Diego, according to The Drive.

“We are going to lose if we can’t figure out how to drop the cost and increase the speed in our defense supply chains.”

Then there’s the fact that President Biden sold a million barrels of oil from the nation’s strategic reserves to a Chinese state-owned firm where Hunter Biden is an investor. Of course, on Day One in office, Biden terminated an executive order from President Donald Trump that was aimed at keeping foreign countries and firms away from America’s bulk power systems, especially entities tied to the Chinese Communist Party (CCP).

In addition, the administration’s virtual open-border policy has led to even the United Nations calling the southern border the “deadliest land crossing in the world.”

Representative Mike Waltz (R-Fla.), who sits on the Armed Services Committee and co-sponsored Banks’ bill, argued why the loopholes created by the White House’s immigration changes must be addressed.

“Over the last two decades, the IRGC [have been] responsible for the killing of over 600 U.S. servicemembers and continue to threaten U.S. public officials who dared challenge their terrorism,” Waltz told the Free Beacon. “Allowing any individuals into our country who may have assisted these terrorists would be a direct national security threat to our citizens.”