Two programs built for situations most lenders won't touch. ITIN loans for borrowers who file taxes without a Social Security Number. Home equity loans that accept bank statement, DSCR, and P&L income — not just W-2s. If a conventional lender said no, one of these may be the answer.
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Program 1 of 2 — Specialty
An ITIN (Individual Taxpayer Identification Number) is issued by the IRS to individuals who have U.S. tax obligations but are not eligible for a Social Security Number. FlexPoint's ITIN program lets eligible borrowers purchase or refinance a home using that number — with flexible income documentation and up to $1.5M in loan amount.
A real path to homeownership for borrowers who file U.S. taxes with an ITIN instead of a Social Security Number. No SSN required. Multiple income doc types accepted. DACA recipients eligible.
| Max Loan Amount | $1,500,000 |
| Max LTV (Purchase) | 80% |
| Max LTV (R&T Refi) | 75% |
| Max LTV (Cash-Out) | 70% |
| Min Credit Score | 680 |
| Min ITIN History | 2 years |
| Tradelines Required | 3 open ≥ 12 mo. or 2 open ≥ 24 mo. |
| Property Types | SFR, condos, 2–4 unit, PUDs |
| Occupancy | Primary, second home, investment |
| DACA Eligible | Yes |
| Gift Funds | Allowed |
| First-Time Buyers | Welcome |
Key Numbers
Credit Qualification
Standard ITIN program — all property types, all loan purposes, up to 80% LTV.
No credit score? Rental history, utility records, and insurance history may qualify you.
Tradeline Requirements
Who These Programs Are For
Both programs serve borrowers who fall outside conventional qualification — but for very different reasons. Here's who each one is built for.
You Have an ITIN, Not an SSN
You file U.S. taxes using an Individual Taxpayer Identification Number — you work, you pay taxes, but you don't have a Social Security Number. This program was built for exactly that situation.
You're a DACA Recipient
DACA recipients — Dreamers — are eligible under this program with standard qualification requirements. Many have strong credit and stable income but no Social Security Number. This program accepts that.
You're a First-Time Homebuyer
No prior homeownership experience required. Gift funds accepted for the down payment. Primary residence, second home, and investment property all eligible.
Your Income Is Self-Employment or 1099
ITIN borrowers often work as contractors, business owners, or in the gig economy. Bank statement and 1099 income are both accepted alongside traditional W-2 documentation.
You're Self-Employed With Equity Built Up
Your tax returns show low income after write-offs, but your home has significant equity. Traditional home equity products require W-2 income — ours accepts bank statements and P&L statements instead.
You Own Rental Properties
DSCR income is accepted. If you own rental properties, the rental income from those properties can be used to qualify — you're not limited to personal W-2 income to access your home's equity.
You Don't Want to Touch Your First Mortgage Rate
If you locked in a low rate on your first mortgage, a home equity second lets you access cash without disturbing it. You add a second on top rather than replacing the whole first.
You Need a Lump Sum for a Major Expense
Home improvement, business investment, debt consolidation, a down payment on another property — a fixed lump-sum second mortgage gives you a defined amount with fixed payments from day one.
The FlexPoint Difference
These aren't programs every lender offers — or handles well. Here's what we bring to both.
Borrower Stories
Here's what borrowers say after closing an ITIN or home equity loan with FlexPoint.
I own a small business and file with my ITIN. My tax return doesn't show my real income because I have a good accountant. FlexPoint used 24 months of my business bank statements and I qualified for a loan I didn't think was possible. Professional, patient, and they explained everything clearly.
Carlos R.
Small Business Owner
I have lived here for 14 years, paid taxes every year with my ITIN, and every bank said they needed a Social Security number. FlexPoint was different. They took the time to understand my situation, accepted my W-2s and ITIN, and closed my first home in 31 days. I am still emotional thinking about it.
Maria G.
ITIN Borrower
Tell us which program interests you and a few details about your situation. A FlexPoint loan officer will review your scenario and tell you exactly what you qualify for — no credit pull required to start.
By submitting this form, you consent to be contacted by FlexPoint Inc. regarding your inquiry. This is not a commitment to lend. All loans subject to credit approval. Restrictions apply. Some products may not be available in all states. FlexPoint Inc. NMLS #243082.
FAQ
The questions we hear most about ITIN loans and home equity programs.
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