An FHA loan opens the door — you bring the dream.

Got Questions?

We've Got Answers.

FHA Loans

FHA loans typically require a down payment of just 3.5% of the purchase price, making it easier for buyers to get into a home. In addition, FHA loans have more flexible credit requirements than conventional loans, allowing borrowers with less-than-perfect credit to still qualify. These factors make FHA loans an attractive option for many home buyers looking to achieve their dream of homeownership.

Let's Chat About It

Schdule a Consultation with Brigett

Ideal Borrowers for ITIN Loans

Is an ITIN Loan Right for You?

🧾 Use Your ITIN to Qualify

No Social Security Number required — use your ITIN to apply for a home loan.

🌐 Credit Alternatives Accepted

Build credit through alternative documentation like rental or utility history.

🏠 Designed for Non-Citizens

Great for immigrants or foreign nationals living in the U.S. without a green card or SSN.

Is an ITIN Loan Right for You?

A Good Fit If…

Not a Fit If…

✔

You don’t have a Social Security number

ITIN loans are designed for borrowers using an Individual Taxpayer Identification Number instead of SSN.

✖

You have a valid SSN

If you're eligible for standard lending programs, you may qualify for better rates and terms.

✔

You have verifiable income and documentation

While flexible, ITIN loans still require proof of income such as tax returns, bank statements, or pay history.

✖

You cannot verify income or employment

Lenders need sufficient documentation to determine your ability to repay the loan.

✔

You want to build equity while living in the U.S.

ITIN loans help immigrants and non-citizens achieve homeownership despite lacking SSNs.

✖

You’re looking for zero-down programs

Most ITIN loans require 10–20% down and have limited access to first-time buyer incentives.

✔

You’re ready to invest in a home long term

These loans are best for borrowers who plan to stay in the property and build ownership over time.

✖

You’re looking for temporary or short-term housing

ITIN loans are not ideal for short-term flips or short-stay investors due to higher closing costs.

What client say about us

Lorem Ipsum is simply dummy text of the printing

and typesetting industry. Lorem Ipsum has been

he industry's standard dummy text ever since the

1500s, when an unknown printer took a galley of

type and scrambled.

Darcel Ballentine

Barone LLC.

Lorem Ipsum is simply dummy text of the printing

and typesetting industry. Lorem Ipsum has been

he industry's standard dummy text ever since the

1500s, when an unknown printer took a galley of

type and scrambled.

Darcel Ballentine

Barone LLC.

FHA FAQ's

We understand that applying for an FHA loan can bring up a lot of questions, especially for first-time homebuyers. This FAQ section is here to provide clear answers and guidance, helping you feel confident and informed throughout the entire process, from pre-qualification to closing day.

 What is an FHA loan?

An FHA loan is a government-backed mortgage insured by the Federal Housing Administration, designed to help borrowers with low-to-moderate income or credit challenges qualify for home financing.

Who is eligible for an FHA loan?

Eligibility generally includes a minimum credit score of 580, a steady employment history, and the ability to make a down payment of at least 3.5% of the purchase price.