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Helping individuals and families achieve homeownership is at the core of our mission at First Federal Bank of Kansas City. We’re proud to offer this mortgage program for non-resident aliens with individual tax IDs (ITIN) to purchase or refinance single-family or townhouse/duplex properties in the Greater Kansas City area.
ITIN program details and requirements
- Competitive fixed rates with a variety of loan term options
- Credit scores starting at 620 may qualify
- Down payments as low as 10.01%*
- Gift funds and down payment assistance can help you qualify
- Loan amounts up to $484,350
- Receive a $500 closing credit when you open a First Federal checking or savings account
- Available for home purchases—you don't have to be a first-time homebuyer
- Refinance options available, including up to 80% loan-to-value (LTV) for rate-and-term refinances and up to 70% LTV for cash-out refinances
*Certain restrictions may apply. All loans subject to approval.
Need help getting started? Talk to us! Our team would love to speak to you about our program and answer any questions you have.
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More about our ITIN program
Who is the ITIN program for?
Our ITIN mortgage program is designed for eligible borrowers who use an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number. Whether you're buying your first home or looking for your next one, this program provides a path to homeownership for individuals and families who may not qualify for traditional mortgage options. We believe everyone deserves the opportunity to put down roots and invest in their future.
How does the First Federal ITIN program work?
Our ITIN mortgage program offers eligible borrowers the opportunity to finance a home using an ITIN. From your first conversation through closing, our experienced mortgage team will work with you to understand your goals, explain your financing options, and guide you through each step of the home loan process. To get started, contact us today.
What will I need to apply for the ITIN program?
Applying for an ITIN mortgage is similar to applying for a traditional home loan. You'll typically need your ITIN, proof of income and employment, identification, and documentation about your financial history. Because every borrower's situation is unique, our mortgage team will walk you through the application requirements, answer your questions, and help you gather everything needed to complete your application with confidence. To get started, contact us today.
