Process ITIN Loans Like Any Other Loan.
ITIN borrowers aren't a special case in LFP. The same 8-stage workflow, the same AI document pipeline, the same Non-QM investor matching — with identity-specific gates built in.
Three axes, handled.
Borrower Identification
IRS ITIN letter (unexpired), unexpired government photo ID (passport / consular card / DL). ITIN format auto-detected: 9XX-XX-XXXX, always starts with 9. Format validated on entry.
TransUnion Single-Bureau
ITIN loans price off TransUnion only — no tri-merge. Multi-borrower loans use average TransUnion score. No-score borrowers treated as 659 for pricing.
Manual Underwriting
No AUS. Compensating factors drive DTI caps from 43% baseline up to 60%. Reserves, stable employment history, and credit score 660+ stack toward higher DTI allowance.
Two ITIN tiers — price the borrower right
LFP catalogs your wholesale partners' ITIN programs in the admin console. Premium and risk-priced tiers route automatically based on the borrower's FICO band and LTV.
Premium Tier
Up to 85% LTV · Higher FICO bands
- Primary & 2nd home
- Purchase & rate/term refi
- Tighter overlays for best pricing
- Gift funds allowed at moderate LTV
Risk-Priced Tier
Score-banded LTV caps · Lower FICO bands accepted
- LTV scaled to credit profile
- Investment property eligible
- Vacant land considered
- Extended housing-history requirements at higher LTV
From intake to funding — ITIN-aware at every step.
- 1
Intake auto-detects ITIN from typed 9-digit ID (starts with 9) and switches to ITIN checklist.
- 2
Identity section auto-seeds: IRS ITIN letter, passport/visa, W-7 fallback if expired.
- 3
Non-QM checklist layer adds 12-mo housing history, single-bureau credit pull, CPA/PTIN attestations for P&L/expense ratios.
- 4
Workflow gate at DISCLOSED→SUBMITTED blocks advance until ITIN letter + govt ID are uploaded.
- 5
Guidelines RAG returns answers sourced from your uploaded wholesale partner guides — LTV by FICO band, state restrictions, compensating factors.
Ready to process your first ITIN loan?
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