ITIN & Foreign National
Tailored institutional financing for borrowers with Individual Taxpayer Identification Numbers (ITIN) or non-resident foreign nationals investing in U.S. residential real estate.
Underwriting Specifications & Parameters
Program Highlights & Selling Points
- No Social Security Number or US Credit Score Required for Foreign Nationals
- Full Doc, Bank Statement, or DSCR Qualifying Allowed
- Unexpired Foreign Passport / Visa Accepted
- Asset Verification via International Wire Transfer
Program Overview & Guidelines
Global & Non-Resident Investor Capital
The Corva ITIN & Foreign National loan program provides institutional liquidity for borrowers who do not hold a U.S. Social Security Number. Whether financing borrowers with an IRS-assigned Individual Taxpayer Identification Number (ITIN) or non-resident foreign nationals purchasing U.S. real estate, Corva delivers flexible underwriting and dedicated bilingual operational support.
Underwriting Matrices & Requirements
- Maximum LTV: Up to 80% for purchase transactions; 75% for cash-out refinances.
- Minimum FICO: 620 for ITIN borrowers. No U.S. credit score required for Foreign National borrowers.
- Maximum Loan Amount: Up to $2,000,000.
- Occupancy: Primary residences permitted for ITIN borrowers; Second home and investment properties for Foreign Nationals.
ITIN Documentation Guidelines
Borrowers must provide a copy of their official IRS ITIN issuance letter or ITIN card alongside unexpired government photo identification (valid foreign passport, consular identification card, or U.S. state driver’s license). Income may be qualified via Full Doc (W-2s / Tax Returns), 12/24-Month Bank Statements, or DSCR.
Foreign National Documentation Guidelines
Foreign National borrowers must provide an unexpired passport with a valid U.S. entry visa (or eligible visa waiver / ESTA country status), a certified credit reference letter from an established commercial bank in their home country, and evidence that qualifying funds are deposited into an FDIC-insured U.S. financial institution prior to closing.
Submit ITIN & Foreign National Scenario
Direct credit desk review by dedicated wholesale underwriters. Submit transaction parameters below for immediate pricing, structuring, and written terms.