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Build your future in a home of your own.
What is an ITIN Mortgage?
RCU offers mortgages to Members with an Individual Taxpayer Identification Number (ITIN) and required employment authorization document(s). This mortgage is for non-citizen home buyers who don’t have a Social Security number but do have an ITIN and possess a valid Permanent Resident Card (Green Card), Work Authorization Card, or Work Visa.
What is required for an ITIN mortgage
Individual Taxpayer Identification Number (ITIN)
Employment Authorization Document(s)
20% Minimum Down Payment
Mortgage calculator
Estimate costs and determine how much you can afford
Homeowners Insurance: 100
Mortgage Insurance: 167
Additional resources
Learn about the application process and steps necessary to become a homeowner.
Home Buying in 7 Steps
Learn what to expect in the home buying process with this simple 7-step summary.
Read MoreMortgage Learning Center
Empower yourself with knowledge by looking through our specially curated collection of helpful resources.
Get StartedGet ready to apply
Ready to make that home your own? Complete our simple online application.
Preapproval
Gain more buying power by filling out our online application before you begin house hunting.
Get PreapprovedApplication
Complete our online application in as little as 15 minutes. And if you need more time, you can save your progress and return later.
Apply NowHave a question?
If you have questions about any part of the home buying process, our mortgage experts are here to help. Schedule an appointment or give us a call at 1 (800) 609-9009.
Advanced Options
Property Tax Rate
The tax that you are required to pay as a property owner levied by the city or municipality. Lookup your county rate or state average rate for a more accurate calculation.
Homeowners Insurance (Monthly)
The standard insurance policy that covers damage to your property and the things you keep in it. The average annual homeowners insurance premium is around $1,200.
HOA Fees (Monthly)
These are dues that are used by a homeowners association toward maintenance of common areas used by all homeowners in a housing development or complex.
Private Mortgage Insurance Rate
The premium for the insurance policy for FHA loans and conventional mortgages if your down payment is less than 20%. PMI typically costs between 0.5% to 1% of the entire loan amount on an annual basis. Only calculated if down payment is less than 20% of mortgage amount.
Disclosure
This calculation represents an estimate. Calculation does not factor credit score. Default input values are estimates.
PPP Forgiveness Application Deadline
Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:
- PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
- RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
- Your correct deadline will be reflected in your online banking account.
If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.
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