Home Opportunity Loans

Program exclusive for First Community Mortgage ITIN / W7 borrowers.

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Home Opportunity Loans

Loan Programs

Home Opportunity Loans

The Home Opportunity Loan is an exclusive program for First Community Mortgage eligible to foreign nationals and ITIN / W7.

This program is perfect for our borrowers with no credit history, who have filed taxes in the United States for the previous 2 years. See below for the highlights of this program. Loan approval and terms are dependent upon borrower’s ability to repay, acceptability of collateral property, and FCM underwriting criteria.

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Details

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    Open to Foreign Nationals and Non-Resident Immigrant Status with ITIN/W7 U.S. tax return filings

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    Alt Doc Allowed: 12 Month Bank Statements, Profit & Loss, Ready Asset, and Asset Depletion

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    Non-warrantable condos, Manufactured homes, 1-4 unit properties, townhomes/PUDs, and vacant land allowed

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    Must have filed taxes in the US for the previous year


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    Gifts for downpayment allowed

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    Primary residence, second home, and investment properties allowed

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    Cash on Hand allowed. (No sourcing or seasoning, but funds must be deposited in a bank account prior to final approval)

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    6% seller contributions maximum

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    Up to 85% LTV

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Have questions?

Not sure what loan program is right for you? We are here to help you step of the way. From qualifying to signing the paperwork, we want you to secure your piece of the American dream. Find a loan originator near you or fill out the form and someone will get in touch with you soon.

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