ITIN Home Loan Program

Making Your Dreams a Reality

Purchasing and owning a home is part of the American Dream, and with First Financial Bank’s Individual Tax Identification Number (ITIN) Program, home ownership is within reach. The program is designed for future homeowners who do not have a social security number. The team of lenders at First Financial Bank are dedicated to helping you achieve your personal goals of home ownership and will stand by you every step of the way. We can help you through the homebuying process and let you live your dreams in your new home.

Program Details

  • $450,000 maximum loan amount*
  • Up to 95% financing**
  • No Private Mortgage Insurance (PMI)
  • Available for single-family residences that are owner-occupied as a primary residence
  • For individuals without a social security number that are able to provide official documentation of ITIN
  • Up to 30-Year Fixed Rate Term
  • Purchase, Refinance, or Home Equity
    • 15-Year Fixed Rate Home Equity
  • Down payment may come from a grant, gift, or other verifiable sources
  • Loan is retained and serviced by First Financial Bank - the loan will not be sold
  • Manufactured Home options available 
  • For more information on terms or rates, speak with a local lender near you

*Maximum loan amount of $450,000. Subject to credit approval. Escrow required. Other restrictions apply. Subject to change. *Loans subject to income and/or other eligibility requirements which may vary depending on property location. Available in Bank’s designated assessment areas in Texas. **Up to 95% financing based on lesser of purchase price or appraised value. 

Payment Example for Fixed Rate Loan: Loan amount: $450,000 | Term: 360 months | Interest rate: 8.5% | Origination fee: 0.50% | APR = 8.554% | Monthly payment: $3,460.11. Payments do not include amounts for mortgage insurance premiums. The actual payment obligation will be higher.

Payment Example for Home Equity: Loan amount: $450,000 | Term: 180 months | Interest rate: 8.5% | Processing Fee: $795 | APR = 8.530% | Monthly Payment: $4,431.33. Payments do not include amounts for mortgage insurance premiums. The actual payment obligation will be higher.

Rate and terms provided are examples. Actual rates and terms are based upon credit and other conditions. Visit a First Financial Bank lender for specific program details or call us for more details at 855-660-5862.