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ITIN Affordable Advantage Mortgage

Owning a home can be easier than you think, especially with an ITIN Affordable Advantage Mortgage from Simmons Bank. Designed for homebuyers who do not have a Social Security number, this program lets eligible borrowers apply using their Individual Taxpayer Identification Number (ITIN).

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Take the next step toward homeownership.

 

Designed for homebuyers who do not have a Social Security number

Borrow using your Individual Taxpayer Identification Number (ITIN)

10.01% down payment

No Private Mortgage Insurance (PMI)

Available for one-unit owner-occupied single family properties

Offer available in the following communities:

Arkansas

Ashley, Benton, Chicot, Cleburne, Cleveland, Conway, Crawford, Craighead, Desha, Drew, Faulkner, Franklin, Fulton, Greene, Izard, Jefferson, Johnson, Lawrence, Lincoln, Lonoke, Poinsett, Pope, Pulaski, Saline, Searcy, Sebastian, Sharp, Stone, Union, Van Buren, Washington and White counties

Missouri

Barry, Boone, Cedar, Dade, Douglas, Howell, Lawrence, Oregon, Ozark, Shannon, St. Louis City, St. Charles, St. Louis, Stone, Taney, Texas, and Wright counties

Kansas

Sedwick county

Oklahoma

Canadian, Cleveland, Grady, Oklahoma, and Payne counties

Tennessee

Carroll, Chester, Crockett, Davidson, Dyer, Gibson, Hardeman, Haywood, Henderson, Lauderdale, Madison, McMinn, Monroe, Obion, Robertson, Shelby, Sumner, Tipton, Weakly and Williamson counties

Texas

Bee, Collin, Cooke, Dallas, Denton, DeWitt, Fort Bend, Grayson, Harris, Henderson, Johnson, Karnes, Kaufman, Live Oak, McMullen, Montgomery, Parker, Palo Pinto, and Tarrant counties

Ready to take the first step?

We have three easy options to get started. You can start your application online today, contact a lender directly, or send a note to our team. Let's start the conversation on your terms.

Pre-Qualify Online

Start your pre-qualifying application online.

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A Simmons Bank mortgage lender can walk you through the home loan process and help find the best option for you. Are you ready to make your dream of homeownership a reality? Get started today!

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  • {216} Subject to credit approval and customer qualification. Income restrictions and other criteria apply. Not available for investment properties or secondary residences. No cash out on refinances. The ITIN Affordable Advantage Mortgage is offered for qualified properties located in the Dallas, TX, Fort Worth, TX, Conroe, TX, Houston, TX, Woodlands, TX, Corpus Christi, TX, San Antonio, TX, Austin, TX, St. Louis, MO, Kansas City, MO, Little Rock, AR, Fayetteville, AR, Memphis, TN, Nashville, TN, Oklahoma City, OK, and Tulsa, OK areas in accordance with Simmons Bank’s obligations under the Community Reinvestment Act (CRA) and Fair Lending laws. Eligible properties and terms subject to change. Speak with your local Simmons Bank banker to find out what products are available in your area. | NMLS #484633