Special Rates on ITIN Mortgages
Competitive Terms Designed for ITIN Buyers
Don't settle for overpriced bank terms. Prysma ITIN Preferred delivers special rates and flexible guidelines for ITIN holders, self-employed buyers, and Non-QM borrowers.
Have a Loan Estimate from
another lender?
Bring it to Prysma. Put our rates to the test and see how much you can save over the life of your loan.
Why Pay More for Your
ITIN Mortgage?
Most retail banks and mortgage companies charge inflated rates and high fees to Tax ID borrowers. At Prysma, we do things differently.
Through our specialized national lending partnerships,
Prysma ITIN Preferred offers market-leading pricing built specifically to beat competitive offers for Single Family Homes and Condos.
Built for Buyers Who Don't Fit Standard Banking Boxes
ITIN & Tax ID Holders
Apply safely using your valid IRS-issued ITIN. No Social Security Number or Green Card required. No traditional credit? We can qualify you using rent, electric, cell phone, and utility payment records.
Self-Employed & Business Owners
Don't let tax write-offs hide your true income. Qualify using 12 to 24 months of personal or business bank statements instead of standard W-2s and net tax returns.
Non-QM & Past Credit Events
Bypass rigid conventional waiting periods (bankruptcy/foreclosure). Evaluated by real human underwriters with flexible Debt-to-Income (DTI) ratios up to 50% when strong compensating factors are present.
THE PRYSMA LOAN ESTIMATE CHALLENGE
Bring it to Prysma. Put our rates to the test and see how much you can save over the life of your loan.
Traditional Banks vs. Prysma ITIN PreferredHow It Works:
3 Simple Steps to Your Dream Home
1
Submit Your Details or Current Quote
Fill out our 2-minute quick form or upload your existing Loan Estimate for a free rate review.
2
Get Your Custom Rate & Savings Analysis
Our mortgage originators structure the ideal loan program (SFR or Condo) with our special pricing.
3
Get Pre-Approved & Close with Confidence
Make an offer backed by strong financing and step into the home your family deserves.
Built for Buyers Who Don't Fit Standard Banking Boxes
23+ Years of Trusted Experience
Serving families in Connecticut and beyond since 2003.
Trilingual Mortgage Team
Complete guidance in English, Spanish, and Portuguese.
Direct Solutions
Specialized focus on first-time buyers, ITIN holders, and self-employed entrepreneurs.
Home Loan Options We Offer
Feature / Scenario
ITIN Interest Rates
Loan Estimate Matching
SSN / Green Card
Self-Employed Verification
Credit Evaluation
Language Support
Traditional Retail Banks
Often inflated with high lender fees
Unwilling to negotiate or match quotes
Mandatory for standard guidelines
Strict net income on tax returns
Rigid automated computer algorithms
English only
Prysma ITIN Preferred
Special, competitive ITIN rates
Active Loan Estimate Challenge—We compare & compete
100% ITIN / Tax ID accepted
Non-12–24 Months Bank Statements Loans
Manual human underwriting & alternative credit
Full support in English, Spanish & Portuguese
Ready to See How Much You Can Save?
Have a quote from another lender?
Starting your home journey?
Verify our licenses at
www.nmlsconsumeraccess.org
Disclaimer: Program availability, pricing, terms, and eligibility depend on borrower profile, documentation, credit history, property type, loan purpose, and lender guidelines. This content is for informational purposes only and does not guarantee approval or specific loan terms. Equal Housing Lender.
