At First Choice Financial, we offer ITIN mortgage loans designed for individuals who file taxes using an Individual Taxpayer Identification Number (ITIN). If you’re living and working on the Western Slope and ready to buy a home, there are real options available to you—and our team is here to guide you through them.
We work with ITIN borrowers every day and understand how to navigate the process efficiently, clearly, and respectfully.
ITIN loans are built to help qualified non-citizen borrowers achieve homeownership. With the right documentation and guidance, you can access:
For W-2 Employees
If you’re employed with a company, we’ll use standard documentation to verify your income and stability, including:
Stable employment can help you qualify for more competitive loan terms.
For Self-Employed Borrowers
If you own a business or work independently, we offer flexible ways to document your income, including:
We work with a wide range of business structures, including sole proprietors, LLCs, and corporations.
ITIN loans can be used to purchase a variety of property types, including:
If you’re legally working in the U.S. on a visa, you may be able to qualify for a mortgage even if you’re not a permanent resident. First Choice Financial offers loan programs tailored to non-permanent residents across a variety of visa types.
The challenge is that these loans come with specific guidelines, especially around documentation and visa status. Working with someone familiar with those guidelines can make a big difference.
We work with borrowers holding visas such as:
If you’re unsure whether your visa qualifies, we can review your situation and walk you through your options.
Loan Programs Available
Conventional Loans
FHA Loans
Portfolio Loans
While every situation is different, most non-permanent resident borrowers will need:
Navigating the mortgage process as a non-permanent resident can feel complicated—but it doesn’t have to be. Our team understands the guidelines, the documentation, and the nuances involved.
We’re here to:
Other low-downpayment, government backed loans that we can help you secure a home with:
