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Your Trusted ITIN (Tax ID) Mortgage Lender

At this time Prysma is only licensed to provide mortgages in the NY, CT, MA & FL.

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We are your trusted lender for Individual Tax Identification Number (ITIN) Loans. Prysma has helped Non-US citizen families in Connecticut, New York, Massachusetts, & Florida realize their dream of home ownership.
We specialize in ITIN (Tax ID) loans for homeowners with products and lending solutions designed for First Time Home Buyers, Refinances and more. No Social Security or Green Card required.
Our experienced loan professionals sit down with you to find the best rates and loan options for you and your family. We are your dedicated partners in home ownership.
Fill out the form or call today to learn how Tax ID loans may be the right solution for you. (855) 906-3416

The 4 Simple Steps To Homeownership

Prysma is here to help you through the home buying process whether this is your first house or you are relocating to a new area. Here is the simple 4-Step process to owning your own home.



You speak with one of Prysma’s licensed Mortgage Loan Originators to get pre-qualified for a loan up to a certain amount. This amount helps you determine the price range for the home that is right for you. Our loan specialists will take the time to answer all of the questions you have to help ensure you choose the best loan option for your needs.


Find Your Home & Make An Offer

After pre-qualification you can begin shopping for your home. When looking at different home options, make sure to consider all the different factors including price, location and safety of the neighborhood. After you choose the property you make an offer and negotiate with the seller on the final sales price.


Loan Application

You have your home chosen and a sales price is determined you revisit with Prysma’s Mortgage Loan Originator to apply and secure the perfect loan for your new home. Your dedicated loan specialist will personally guide you through each step of the loan process.


Closing & Moving In

Once your offer has been accepted and you have been approved for your mortgage you prepare for closing and move into your new home!


Understanding ITIN Mortgage Loans

What Is a ITIN (Tax ID) Loan?

Tax ID loans are mortgage loans that do not require applicants to have a Social Security or Green Card.

What Do I Need To Qualify?

● ITIN program only requires valid copy of passport and copy of ITIN cardMinimum of 15% down payment

● 15% down qualified borrowers based on scores and income ratios. Down payment varies from 20% to 30%

● No scores required

● Borrowers needs 3 alternative tradelines to be considered and need at least 25% down payment

● This is a full doc loan but 24 months Bank Statements may be used for self-employed borrower to qualify (PERSONAL BANK STATEMENTS ONLY OR DBA)

● For W2 borrower we only use W2 and pay stubs to qualify

● Max Debt To Income ratio is 43% but can go up to 50% with compensating factors

● No seasoning assets required


What Are The Benefits Of a ITIN (Tax ID) Mortgage?

Homeownership can be difficult to accomplish for Non-US citizens who live and work in the United States. Many within the immigrant population do not have a social security number and have a limited credit history. This often disqualifies them for obtaining a conventional mortgage loan.
At Prysma, we work with these individuals, offering an affordable ITIN mortgage lending program that allows potential homeowners with a ITIN (Individual Tax Identification number) instead of a Social Security number to purchase their dream home.

Why Choose Prysma As Your Lending Provider


Focused on Hispanic Homeownership

We know that not everyone gets treated equally in the home-buying process. We’re here to correct that for members of our community.


20+ Years of Experience

We’re passionate about what we do, so it’s easy for us to keep growing and delivering home loans to Hispanic families


We’re Honest And Transparent

We want to make your home-buying experience as clear and accessible as possible. We will always be upfront with you about your options.


We Find Solutions

The home-buying process can be challenging. We’ll help you navigate your options and find the home loan that’s perfect for you.

Ready To ExploreYour Loan Options?