Non-Traditional Credit Loans for International Borrowers

  • Does not require a Social Security Card, Visa, Work Permit or Green Card

  • For borrowers with an Individual Tax ID Number and 2 years of tax returns

  • A 30-year fixed-rate loan alternative to hard-money loans

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  • No documents necessary to prove legal status in USA
  • Non-traditional credit accepted
  • Up to $600,000 loan amounts
  • Up to 90% Financing, and NO mortgage insurance!
  • First time home buyer permitted
  • For purchase loans or rate/term refinancing


  • U.S. Government ID Card, Matricula Consular ID, or Passport
  • 2 Years employment in the same or similar line of work
  • 2 Years Tax Returns using their I-TIN number
  • Reserve funds for 3 months of payments up to 80% LTV; 6 months up to 90%
  • Non-traditional credit requires 3 credit references

Property Requirements

  • Must be primary residence
  • Property must be single-family or PUD

Alliance Home Loans has solutions for international borrowers with non-traditional credit. Borrowers that don’t have a social security card, but do have an Individual Tax ID Number (ITIN), have a home loan financing solution for the purchase or rate/term refinancing of primary residences. 

We are here to help you fulfill your dreams of becoming a successful homeowner. Allow us to put our expertise and industry knowledge to good use and get you in a program that works for you.