FOR MORTGAGE LOAN OFFICERS

Grow Your Pipeline With ITIN Lending

No SSN required. Flexible qualification. One more program that lets you serve borrowers other lenders turn away.

Why It Matters For You

More Borrowers Qualify Than You Think

Every month you refer away ITIN borrowers, you’re handing a relationship to someone else.
This program keeps that business with you.

More Borrowers, More Closings

Serve clients without a Social Security Number  a segment most lenders can’t touch

Flexible Qualification

Alternative income, no reserves, and gift funds allowed mean more ways to get to yes.

A Program Not Everyone Offers

Differentiate yourself in your local market with a product your competitors don’t have.

FNBA requires documentation of the borrower's identity at time of loan submission.

Program Details

Buy a Home With an ITIN

Program Highlights

Lending Basics

Documentation

What Your Borrower Will Need

Identity Documentation

Frequently Asked Questions

Everything You Want to Know About ITIN Lending at MegaStar

An ITIN loan allows a borrower without a Social Security Number to qualify for a mortgage using an Individual Taxpayer Identification Number instead, along with alternative income documentation.

No. A valid, unexpired ITIN card or IRS ITIN letter is used in place of a Social Security Number to verify identity.

Yes. MegaStar loan officers can offer ITIN lending as part of the full Non-QM platform, alongside bank statement, DSCR, and P&L programs.

More Tools for Loan Officers

Explore More of the MegaStar Platform

One Day Decision

Underwriting

Decisions in 1 business day

Loan Officer Assistant

Loan Officer Support

Trained assistant who never misses a deadline

Non-QM Lending

Loan Programs

Close the deals other lenders miss

Corporate Connect

Multi-State Support

Stay compensated on out-of-state deals

GROW YOUR PIPELINE

Ready to Expand What You Can Offer?

Whether you’re a solo loan officer looking to grow your pipeline or a branch manager exploring a new platform — let’s talk about what ITIN Lending at MegaStar looks like for you.

LET'S TALK

How Many Deals Are You Letting Slip Through the Cracks?

Fill out the form or schedule directly with Mickey Schilling, MegaStar’s Chief Revenue Officer. Let’s talk about how ITIN Lending fits into your business.

Your information is used only to contact you about career opportunities at MegaStar Financial. We do not sell or share your data.

1098 forms were mailed 1/31/2026

If you have questions or need assistance with your 1098 form, please send your question to servicing@megastarfinancial.com

“A good reason why you may want to offer below 5% is when you’re paying with cash (although companies who offer sellers cash for their home will typically offer 65% below market price).”

Publisher: HomeLight
Article: Is It Too Low? What Is Reasonable to Offer Below Asking Price
Link: https://tinyurl.com/2jp6kbmh