Roxford Holdings Inc
California • ITIN Home Loan • No SSN Required

PRM Elevate (ITIN) in California

California is home to one of the largest ITIN communities in the United States, and its high property values make higher-balance ITIN financing essential. Roxford Holdings offers ITIN home loans across California — including loan amounts up to $3,000,000 with PRM Elevate — so you can buy or refinance a home with a valid Individual Taxpayer Identification Number and no Social Security Number.

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PRM Elevate (ITIN) — California ITIN home loan
From
$125,000
Up to
$3,000,000
Down
From 15% (up to 85% LTV)
Terms
Fixed 25 & 30 years
Debt-to-income
Up to 55% DTI (60% with compensating factors)

California ITIN loan highlights

  • Available across Los Angeles, San Diego, the San Francisco Bay Area, Sacramento, and Fresno
  • Higher-balance financing up to $3,000,000 (PRM Elevate) for California's high-cost markets
  • Debt-to-income up to 55% in California (up to 60% with compensating factors)
  • Qualify with a valid, unexpired ITIN plus an unexpired passport, visa, or government ID

Available across: Los Angeles · San Diego · San Francisco Bay Area · Sacramento · Fresno

Program at a glance: PRM Elevate (ITIN)

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
See full program

Compare both ITIN programs in California

Both programs qualify borrowers with a valid ITIN — no Social Security Number required. Compare the details and pick the right fit.

PRM Elevate (ITIN)

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

  • Up to $3,000,000
  • Down: From 15% (up to 85% LTV)
  • Terms: Fixed 25 & 30 years

ITIN Last Call

Flexible ITIN loan for primary, second & investment homes

  • Up to $1,200,000
  • Down: From 15% (FICO-tiered)
  • Terms: Fixed 20, 25 & 30 years

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.

Also available in:

PRM Elevate (ITIN) — Texas