Why Pay More for YourITIN Mortgage?
Most retail banks and mortgage companies charge inflated rates and high fees to Tax ID borrowers. At Prysma, we do things differently.
Through our specialized national lending partnerships, Prysma ITIN Preferred offers market-leading pricing built specifically to beat competitive offers for Single Family Homes and Condos.
Built for Buyers Who Don't Fit Standard Banking Boxes
ITIN & Tax ID Holders
Apply safely using your valid IRS-issued ITIN. No Social Security Number or Green Card required. No traditional credit? We can qualify you using rent, electric, cell phone, and utility payment records.
Self-Employed & Business Owners
Don't let tax write-offs hide your true income. Qualify using 12 to 24 months of personal or business bank statements instead of standard W-2s and net tax returns.
Non-QM & Past Credit Events
Bypass rigid conventional waiting periods (bankruptcy/foreclosure). Evaluated by real human underwriters with flexible Debt-to-Income (DTI) ratios up to 50% when strong compensating factors are present.
Traditional Banks vs. Prysma ITIN PreferredHow It Works: 3 Simple Steps to Your Dream Home
Submit Your Details or Current Quote
Fill out our 2-minute quick form or upload your existing Loan Estimate for a free rate review.
Get Your Custom Rate & Savings Analysis
Our mortgage originators structure the ideal loan program (SFR or Condo) with our special pricing.
Get Pre-Approved & Close with Confidence
Make an offer backed by strong financing and step into the home your family deserves.
Why Homebuyers Partner with Prysma
23+ Years of Trusted Experience
Serving families in Connecticut and beyond since 2003.
Trilingual Mortgage Team
Complete guidance in English, Spanish, and Portuguese.
Direct Solutions
Specialized focus on first-time buyers, ITIN holders, and self-employed entrepreneurs.