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ITIN Home Loans Help You Build Wealth Through Buying a House in the U.S.

At this time Prysma is only licensed to provide mortgages in the CT, FL, MA. NJ, NY, PA, and TX.

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Trust Prysma for your ITIN loans and mortgage, we've helped non-US citizens and their families in:
● Connecticut● New York● Massachusetts● Florida● Texas● New Jersey● Pennsylvania
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 Number or Green Card required.
Our experienced loan professionals are dedicated to working with you to secure the best rates and loan options for you and your family. We're more than lenders, we're your partners in homeownership.
Fill out the form or call today to learn how Tax ID loans may be the right solution for you. (855) 906-3416

Understanding ITIN Mortgage Loans

What is an ITIN (Tax ID) Loan?

Tax ID loans are mortgage loans that only require an individual tax identification number (ITIN), and do not require applicants to have a Social Security Number (SSN) or Green Card.

What Do I Need to Qualify?

● ITIN program only requires a valid copy of passport and a copy of ITIN card

● Minimum of a 15% down payment. Down payment varies from 15% to 30% based on credit score and income ratio

● Borrowers needs 3 alternative tradelines (credit accounts, car loans, personal loans, etc.) to be considered, and need at least 25% down payment

● 24 months of bank statements may be used for self-employed borrower to qualify (PERSONAL BANK STATEMENTS ONLY OR DBA)

● For W2 borrowers, 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


What Are the Benefits of an ITIN (Tax ID) Mortgage?

Homeownership can be difficult to accomplish for non-U.S. 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 offer a unique and affordable ITIN mortgage lending program designed specifically for borrowers who have an Individual Tax Identification Number (ITIN) instead of a Social Security Number, empowering them to purchase their dream home and build wealth.
NAHREP (pdf): https://nahrep.org/downloads/2022-state-of-hispanic-homeownership-report.pdf
US Department of Housing and Urban Development (pdf): https://www.hud.gov/sites/dfiles/OCHCO/documents/19-02hsgml.pdf

Getting a Home Loan with an ITIN Number

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 5-step process to owning your own home.


Obtain Your ITIN Number

An ITIN is a nine-digit tax processing number issued by the IRS for individuals without a Social Security Number or Green Card, and it's essential for securing loans. If you don't already have one then find out more at USA.gov/ITIN.


Make Sure You Qualify

Team up with a Prysma Mortgage Loan Originator to make sure you qualify and to secure the right loan for you. One of our dedicated loan specialists will guide you personally through every step of the process.


Gather Essential Financial Documents

Gather documentation that can prove the following:
● Proof of a sustainable amount of income● Credit history● Income verification● Your assets
Showing your financial credibility is crucial to prove your ability to meet loan payments.


Enter the Pre-Approval Process

We'll begin by reviewing your credit history and financial situation. Your credit history is evaluated based on past credit obtained through an ITIN and/or by examining records of rent and utility bill payments.
Then we'll determine the maximum loan amount you qualify for, estimate your payments, and make sure you understand all the terms and details of the loan.


Find Your Dream Home

Once you are approved, it's time to find your family's dream home! Get in touch with local agents who can show you houses within your price range.


Why Choose Prysma as Your ITIN Lending Provider


Focused on Latino Homeownership

We know that not everyone gets treated equally in the home-buying process. Our commitment is to level the playing field for our community.


20+ Years of Experience with ITIN Loans

With over two decades of experience, we specialize in ITIN Loans, offering unmatched expertise for families on their home-buying journey.


We’re Honest & 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 Partner with You to Find Solutions

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

Ready To ExploreYour ITIN Mortgage Options?