Designed for ITIN holders and many non-permanent resident visa categories.
Loan Programs
ITIN and non-permanent resident mortgage options with a more practical process
TopOne Mortgage helps ITIN holders, visa holders, and globally mobile buyers purchase or refinance homes with clear documentation support and lender relationships that understand these borrower profiles.
These programs are built for borrowers who may not fit standard agency documentation rules because they use an ITIN, have a qualifying visa, or rely on foreign assets and alternative credit history.
Foreign credit, rent history, and alternative documentation can often be used when a standard U.S. credit profile is limited.
Many scenarios require 15 to 30 percent down depending on occupancy, credit, and documentation.
Foreign bank statements and translated documentation may be accepted by the right lending partner.
Why Borrowers Choose This Program
ITIN And Non-Permanent Resident Loan advantages at a glance.
- Visa-savvy support and clear document checklists from the start.
- Alternative documentation options including bank statements and CPA-prepared P&L in the right cases.
- Portfolio-style solutions with no monthly PMI on certain products.
- Strong fit for primary homes, some investment scenarios, and borrowers with global income or assets.
- Fast pre-approval reviews and dedicated one-point-of-contact guidance.
Frequently Asked Questions
Helpful detail before you apply.
Can foreign assets be used?
Often yes, provided statements are translated and sourced according to program guidelines.
Do these loans require U.S. credit?
Not always. Some programs can use foreign credit reports, rent history, or other alternative references.
Is mortgage insurance required?
Many of these portfolio products do not use standard monthly PMI, though pricing and structure vary by program.
Can this later be refinanced into a conventional loan?
Potentially yes once credit profile, residency, or documentation improves.
Start The Process
Tell us a bit about your ITIN And Non-Permanent Resident Loan scenario.
We will review your information, organize next steps, and tell you which documents will move the file forward fastest.
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