Priority Home Mortgage · ITIN home loans
A real mortgage, with the deed in your name. Not a land contract and not a rent-to-own. There is no minimum credit score, family gift funds are allowed, and the down payment is 15 to 20 percent, which on a $250,000 house is $37,500 to $50,000. That number is here at the top on purpose.
Mortgage Loan Originator · Priority Home Mortgage · NMLS #2403884
Israel Muñoz · NMLS #2403884
What you need
These are the three things people are usually told wrong. Everything on this page that Israel has confirmed is here. Where something has not been confirmed, this page says so instead of guessing.
The down payment
15 to 20 percent
On a $250,000 house in the Grand Rapids area, that is $37,500 to $50,000. This is the real constraint, and it is here rather than at the bottom of the page so you can plan around it instead of finding out in month three.
Credit score required
None
There is no minimum credit score on these loans, and a borrower with no credit score at all can qualify. If a bank told you that you cannot be scored and therefore cannot buy, the second half of that sentence was wrong.
Family help
Gift funds allowed
Money gifted by family can go toward the down payment. That is how the number above is usually reached. How much of it may be gifted is a question Israel confirms for your specific file rather than guessing at, because the answer decides whether a plan works.
Loan options
Priority Home Mortgage can underwrite an ITIN loan itself and can also send the file to outside lenders whose guidelines read differently. One lender saying no is one underwriter reading one file, not a verdict on you.
Buying with an ITIN instead of a Social Security Number
You can buy a house with an Individual Taxpayer Identification Number. Not a rent-to-own, not a land contract, not a handshake. A mortgage, with a deed in your name.
The down payment is the real constraint: 15 to 20 percent. On a $250,000 house that is $37,500 to $50,000. It is on this page above the fold for a reason.
When one lender says no
A single lender saying no is not the same as you not qualifying. It is one underwriter reading one file against one set of guidelines.
Two routes is not a guarantee of approval. It is two honest chances instead of one.
How it goes
Israel Muñoz is a Mexican native and works in Spanish through the entire process, not just the first call. That includes the parts almost nobody gets explained: what the appraisal came back with, what underwriting is asking for and why, and what you are signing on closing day.
Twenty minutes, English or Spanish, before any form and before any credit pull. You describe your situation, Israel tells you plainly whether there is a path and what it would take. If the answer is not yet, you get the specific list of what would change it.
What you can borrow, what the monthly payment actually is with taxes and insurance in it, and the full cash you need on closing day. Not a range, and not a payment that quietly leaves out escrow. If a program fits, it gets named: MSHDA, FHA, Conventional 97, VA, USDA.
Israel spent four years inside the loan process as an assistant before he originated his own files, so he knows where they get stuck and what underwriting will ask for next. You get his cell number, (616) 706-7590, and updates as things happen rather than after you chase them.
Run the numbers yourself
A price, a down payment, and a rate, and you have the monthly payment with taxes and insurance in it. No documents, no application, nobody asking for your email or your status. Whether a file like yours can be approved is a separate question, and it is one Israel answers on the phone.
Talk to Israel
A denial from one lender is one underwriter reading one file against one manual. Bring it with you if you have it in writing, because knowing the stated reason saves a step. The call costs nothing and does not touch your credit.
Or write instead
If you have been turned away somewhere already and would rather ask in writing than explain it on a call, do it here. Israel reads these himself and answers straight, including the times the answer is no.
He reads these himself and replies in English or Spanish. No newsletter, no call tree.
Or read it first, on your own time
Fourteen pages on the part of this that works the same for everyone: what a lender actually looks at, what the money has to be, and what happens in what order. Leave an email and it arrives in a minute or two.
The guide arrives by email in a minute or two. No newsletter, and your address does not go anywhere else.
Or start on your own
The Priority Home Mortgage application is open. On this lane the call is usually the better first move, because there are questions worth answering before a file exists.
Starting an application does not commit you to anything, and Israel reviews it personally.
Opens the secure Priority Home Mortgage application in a new tab. Israel Muñoz, NMLS #2403884. Equal Housing Lender.
Knowledge center
If you would rather read the whole thing before speaking to anyone, start here. All three exist in Spanish, and the Spanish is the version that was written first.
Credit
With no credit history nobody can score you, and that is not a failing grade. Here is what to open, in what order, how long the clock really runs, and which receipts to start keeping today.
Read the article
ITIN
ITIN mortgages are real, with the deed in your name. The down payment is 15 to 20 percent and there is no minimum credit score. Here are the real conditions, and the questions still open.
Read the article
The process
A lender is asking four questions: who you are, what comes in, what you have saved, what you owe. Here is the exact list, what changes for cash income, and the mistakes that stall a file.
Read the article
Questions people actually ask
Where the honest answer is that nobody has confirmed something yet, this page says that rather than filling the gap with a guess.
Yes. Priority Home Mortgage lends on ITIN files in-house and also places them with outside lenders, so more than one lender can look at the same file. What you get is a mortgage and a deed in your name. It is not a land contract, not a rent-to-own, and not an arrangement that depends on the seller keeping their word.
A minimum of 15 to 20 percent. On a $250,000 house in the Grand Rapids area that is $37,500 to $50,000. That is a real constraint and it is why this number is at the top of the page rather than buried at the bottom: knowing it now lets you plan, and finding it out after you have started looking wastes months of your life.
Yes, gift funds are allowed toward the down payment. That matters, because pooling family money is the ordinary way that 15 to 20 percent gets reached. Whether the entire down payment can be gifted or some of it has to be your own saved money is a question Israel will confirm for your specific file rather than guess at, because programs differ and the difference decides whether a plan works.
There is no minimum credit score, and someone with no credit score at all can qualify. This surprises almost everyone who has been told by a bank that they cannot be scored. What underwriting will want to see instead of a score is something Israel will lay out for your file specifically, so you know what to start collecting now.
A mortgage application is a financial transaction with a lender. Israel is a licensed mortgage loan originator, NMLS #2403884, and you can verify that yourself on NMLS Consumer Access. He is not an immigration lawyer and will not pretend to be one. If you have questions about anything beyond the loan, the honest answer is that you should ask someone qualified to answer them, and he will say so.
One lender saying no is one underwriter reading one file against one set of guidelines. It is not a verdict on you. That is exactly why having both an in-house program and outside lenders matters: the same file can be read differently. Bring the denial with you if you have it in writing, because knowing the stated reason saves everyone a step.
Yes. Israel Muñoz is a Mexican native and works in Spanish through the whole process, including the parts most people never get explained: what the appraisal says, what underwriting is asking for, and what you are signing at closing.
