What is ITIN Last Call?
ITIN Last Call is a flexible ITIN (Individual Taxpayer Identification Number) mortgage program that finances primary residences, second homes, and investment properties — including 2–4 unit properties — for borrowers without a Social Security Number. Loan amounts range from $125,000 to $1,200,000.
At Roxford Holdings, ITIN Last Call uses FICO-tiered loan-to-value: qualified borrowers with a 700+ score can reach up to 85% LTV on a primary residence purchase, with cash-out, second home, and investment options available at lower tiers. It supports full-doc, 1099, and profit-and-loss income, gift funds, and even shorter housing history (0x30 in the last 6 months).
The program is available in Texas and California (among most states, excluding Washington), with debt-to-income up to 60% in most states, up to 55% in California and New Jersey, and up to 60% with compensating factors. It offers fixed 20-, 25-, and 30-year terms (25-year maximum on 3–4 unit and non-owner-occupied properties), no prepayment penalties, no reserve requirement, and allows non-occupant co-borrowers.
Comparison Note: ITIN Last Call is the more flexible ITIN option — it finances investment properties and 2–4 units and works across FICO tiers, up to $1,200,000. For larger owner-occupied or second-home loans up to $3M, compare PRM Elevate.
Who Qualifies for ITIN Last Call?
How to Apply for ITIN Last Call
Confirm your ITIN is assigned and unexpired before applying
Apply with Roxford Holdings and choose your property type and occupancy
Provide your unexpired passport, visa, or government ID
We match your FICO tier to the maximum LTV and price the loan
Close on your home — fixed 20, 25, or 30-year term, no prepayment penalty
Key Features
Benefits
Requirements
Valid, unexpired ITIN assigned prior to application
Unexpired passport, visa, or government ID
Minimum 640 FICO for cash-out, second home, and investment transactions
Down payment from 15% depending on FICO, occupancy, and property type
Property appraisal required (Hi-Rise and vacant land not eligible)
Frequently Asked Questions
Yes. ITIN Last Call finances investment properties and 2–4 unit properties with an ITIN — no Social Security Number required. Investment and cash-out transactions require a minimum 640 FICO.
ITIN Last Call uses FICO-tiered loan-to-value. Borrowers with 700+ can reach up to 85% LTV on a primary residence purchase, with lower tiers available for other scores, occupancies, and property types.
Yes. It is available in Texas, California, and most states (Washington is excluded). Debt-to-income can reach up to 60% in most states, up to 55% in California and New Jersey, and up to 60% with compensating factors.
Loan amounts range from $125,000 to $1,200,000. For larger owner-occupied or second-home ITIN loans up to $3,000,000, consider PRM Elevate.
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“They explained to us in very detailed step by step information for first time house buyers.”
Jessica A.
First Time Home Buyer
Roxford Holdings Inc
“Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true.”
Rigo D.
First Time Home Buyer
Roxford Holdings Inc
“Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!”
Araceli M.
Mortgage Refinance Client
Roxford Holdings Inc
“They explained to us in very detailed step by step information for first time house buyers.”
Jessica A.
First Time Home Buyer
Roxford Holdings Inc
“Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true.”
Rigo D.
First Time Home Buyer
Roxford Holdings Inc
“Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!”
Araceli M.
Mortgage Refinance Client
Roxford Holdings Inc