ITIN mortgage with 3.5% down payment

This program is built for people with an ITIN. If you’ve been turned down elsewhere, or only want to put down 3.5% this may be the approval you’ve been waiting for.

✅ Credit Flexibility

• No minimum credit score required
• Bad credit or no credit history allowed
• Alternative credit accepted (rent, utilities, insurance, etc.)

✅ High Debt Ratios Allowed

• Debt‑to‑income ratios up to 60%

✅ Eligible Property Types

• Single‑family homes
• Townhomes
• FHA‑approved condos
• Modular homes
• Manufactured homes
• 2‑unit properties

✅ Eligible Borrowers

• U.S. Citizens
• Permanent Resident Aliens
• ITIN borrowers
• DACA borrowers

✅ Bankruptcy & Housing Event Flexibility

• Chapter 7: Allowed once discharged
• Chapter 13: Allowed after 12 on‑time trustee payments
• Foreclosure / Short Sale / Deed‑in‑Lieu: Eligible after 1 year

✅ Down Payment & Closing Costs

• 100% gift funds allowed
• Family gifts permitted

✅ Alternative Income Accepted

• Bank statement income
• Asset‑based income

Licensed States

California, Florida, Georgia, Illinois, North Carolina, South Carolina, Tennessee

📞 Contact Us

• Call/Text: 224-420-9990

• Email: bbutler@barclaybutlerfinancial.com

• Contact: Barclay Butler

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