Roxford Holdings Inc
Specialty Financing

PRM Elevate (ITIN)Program

ITIN home loan up to $3M for primary & second homes

An ITIN home loan for owner-occupied and second homes with loan amounts up to $3,000,000, full-doc, 1099, or profit-and-loss income options, and no Social Security Number required.

4.9/5 from satisfied borrowers

Down Payment

From 15% (up to 85% LTV)

Terms

Fixed 25 & 30 years

Rates

Floor rate 7.25% after adjustments

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From 15% (up to 85% LTV) Down

What is PRM Elevate (ITIN)?

PRM Elevate is an ITIN (Individual Taxpayer Identification Number) mortgage program that helps borrowers without a Social Security Number purchase or refinance a primary residence or second home. It is one of the largest-balance ITIN programs available, with loan amounts from $125,000 up to $3,000,000.

At Roxford Holdings, PRM Elevate offers up to 85% loan-to-value on purchase and rate-and-term refinances (up to 80% on cash-out), with flexible income documentation: full-doc, 1099, or a profit-and-loss statement. Borrowers verify identity with an unexpired ITIN assigned prior to application plus an unexpired passport, visa, or government ID.

The program is available in Texas and California (among most states), 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 features fixed 25- and 30-year terms, no prepayment penalties, no reserve requirement, no tradeline requirements, and allows non-occupant co-borrowers. PRM Elevate is limited to owner-occupied and second homes; for investment properties or 2–4 units, compare our ITIN Last Call program.

Comparison Note: PRM Elevate offers the largest ITIN loan amounts (up to $3M) but is limited to owner-occupied and second homes. For investment properties, 2–4 units, or lower FICO flexibility, compare the ITIN Last Call program.

Who Qualifies for PRM Elevate (ITIN)?

ITIN holders buying or refinancing a primary residence
Foreign nationals and non-citizens without a Social Security Number
Self-employed borrowers using 1099 or profit-and-loss documentation
Buyers of higher-value homes needing up to $3,000,000 in financing
Borrowers in Texas, California, and most other states

How to Apply for PRM Elevate (ITIN)

1

Confirm your ITIN is assigned and unexpired before applying

2

Apply with Roxford Holdings using full-doc, 1099, or P&L income

3

Provide your unexpired passport, visa, or government ID

4

Complete the property appraisal and underwriting review

5

Close on your home — fixed 25 or 30-year term, no prepayment penalty

Key Features

ITIN accepted — no Social Security Number required
Loan amounts from $125,000 to $3,000,000
Up to 85% LTV on purchase & rate/term refinance
Full-Doc, 1099, or Profit & Loss income options
Fixed 25 and 30-year terms
No prepayment penalties, no reserves required
Available in Texas, California, and most states

Benefits

Highest ITIN loan amounts available (up to $3M)
Homeownership without a Social Security Number
Flexible income documentation for self-employed buyers
Non-occupant co-borrowers allowed
No tradeline requirements

Requirements

Valid, unexpired ITIN assigned prior to application

Unexpired passport, visa, or government ID

No bankruptcy, foreclosure, or short sale within 4 years

Owner-occupied or second home (non-owner-occupied not eligible)

Minimum 15% down (up to 85% LTV); condos/attached PUD up to 80%

Property condition C3 or better for LTV above 80%

Frequently Asked Questions

Can I get a mortgage with an ITIN and no Social Security Number?

Yes. PRM Elevate is an ITIN mortgage program — you qualify with a valid, unexpired ITIN assigned before application plus an unexpired passport, visa, or government ID. No Social Security Number is required.

How large can a PRM Elevate ITIN loan be?

PRM Elevate offers loan amounts from $125,000 up to $3,000,000, making it one of the largest-balance ITIN programs available.

Is PRM Elevate available in Texas and California?

Yes. PRM Elevate is available in Texas, California, and most states. Debt-to-income can go up to 60% in most states, up to 55% in California and New Jersey, and up to 60% with compensating factors.

Can I use PRM Elevate for an investment property?

No. PRM Elevate is limited to owner-occupied and second homes. For investment properties or 2–4 units with an ITIN, consider our ITIN Last Call program.

Related Loan Programs

Down Payment Assistance
100% financing with no borrower down payment required
Homeownership Empowerment Program
Flexible options for non-traditional borrowers including ITIN & DACA
DreamBuilder Lease-to-Own
Lease-to-own path to homeownership

Ready to Get Started with PRM Elevate (ITIN)?

Get personalized rate quotes and expert guidance for your prm elevate (itin).

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What Our Clients Say

Don't just take our word for it. Here's what our clients have to say about their experience working with Roxford Holdings.

“They explained to us in very detailed step by step information for first time house buyers.”

Jessica A.

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.

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.

Araceli M.

Mortgage Refinance Client

Roxford Holdings Inc