There are a variety of documents required based on the set of unique circumstances.
The following chart may help provide some additional insight into what documents you may need to apply for your ITIN mortgage loan:
| Document: | When Required: |
| Current ITIN Letter | Always |
| 2 years – Filed Federal Tax Returns | Always |
| Most recent 30 days of pay stubs | On a W2 employee |
| Last 2 years of W2s | On a W2 employee |
| Last 2 years of 1099s | When applicable |
| 2 years – Filed Business Tax Returns | On self-employed borrowers only |
| Alternative credit (allowed on a case by case basis, UW to review and accept) | No credit – must obtain 3 nontraditional sources |
| Assets (most recent 60 days bank statements) | All purchases | Refi - only when bringing funds to closing |
| Homeowner’s insurance (quote or current policy) | Always |
| Current Mortgage Statement | Always on existing mortgages |