Close more sales with your community's preferred lender
Pre-approval for 48 hours for mortgages ITIN, DSCR, and Foreign National for your Latino and international clients in NY, NJ, CT, and PA. Serve clients that other lenders turn away — no SSN, no traditional documentation, no barriers.
What other lenders they can't, we do
We specialize in the segment where others fall short: Latino, undocumented, and international customers. More sales for you, a better experience for them.
Pre-approval in 48 hours
Don't miss opportunities due to delays. We deliver pre-approval letters in under 48 hours with minimal documentation, so your client can make offers with confidence.
Customers without an SSN are welcome
Most lenders turn away customers with ITINs or without Social Security numbers. We serve them. This opens up a huge market that your competitors are overlooking.
Direct communication in Spanish
A direct line to your mortgage advisor. No call centers, no delays, no language barriers. You and your client are always kept informed every step of the way.
More types of loans than anyone else
ITIN, DSCR, Foreign National, Jumbo, Cash-Out, Closed-End Second. Whatever your client's profile, we have the right mortgage solution.
Real partners, not just referrals
We treat you as a strategic partner: constant follow-up, process updates, and support so you can focus on selling properties, not chasing down information.
Over 1,000 Latino families assisted
Over 450 5-star reviews on Google and Trustpilot. Your customers will be in good hands—and so will you, thanks to your business’s reputation.
Loans for each profile from client
We offer the most comprehensive portfolio for the Latin American and international market in the Northeast US. Each product is linked to its dedicated page so your client can explore it directly.
ITIN Mortgage
For residents with ITIN instead of SSN. Green Card or citizenship not required. The star product in our portfolio.
- No SSN required
- Up to 90% financing
- W-2 or tax return
- 2 years of tax returns
DSCR Loan
For investors who qualify based on property income, not their own income. No W-2, no personal tax return. Ideal for investment portfolios.
- Without W-2 or taxes
- Rent as income
- Multi-family OK
- Unlimited Properties
Foreign National Loan
Your client lives outside the US and wants to invest here. We finance them without US tax documentation.
- Passport only
- Up to 75% LTV
- No US residency
- Account Statements
Cash-Out Refinance
Help your clients access accumulated equity. For home improvements, paying off debt, or investing in another property.
- Accessible equity
- Up to 85% LTV
- Competitive rate
- Quick close
Jumbo Loan
For high-value properties exceeding the conforming loan limit. Premium clients find flexibility that traditional banks do not offer.
- No amount limit
- Luxury properties
- Agile approval
- Up to 90% LTV
Closed-End Second
Second mortgage to access equity without touching the principal. Ideal for clients with low rates who need liquidity without losing it.
- Without refinancing
- Fixed payments
- Quick liquidity
- Keep your current rate
We operate in 4 states in the Northeastern US.
where one of the largest Latino communities in the country lives. We're where we're needed most—and where there are the most opportunities for partners.
New York
NYC · Queens · Bronx · Brooklyn · Long Island · Westchester · Yonkers · Hempstead · Garden City
New Jersey
Newark, Jersey City, Paterson, Hoboken, Elizabeth, Union City, Passaic, North Bergen
Connecticut
Hartford · Bridgeport · New Haven · Stamford · Waterbury · Norwalk · Danbury
Pennsylvania
Philadelphia · Allentown · Reading · Lancaster · Bethlehem · Easton · Norristown
4 steps and your client it is on its way to closing
No endless paperwork, no unnecessary waiting. You sell properties, we move the loan.
You refer to your client. Instant
You send us your client's contact information by phone, WhatsApp, or email. That's it. No complicated forms or long processes. Just the contact and the basic situation.
We are reviewing your profile 24 hours
We will review your client's profile and inform you of the available options in less than 24 hours. We will tell you which product fits best and what documentation is needed.
Pre-approval issued 48 hours
We issue the pre-approval letter within 48 hours maximum. Your client can make offers with confidence, and you can show properties within their real purchasing range.
Deal closing 30-45 days
We accompany your client until closing with constant communication with you. You collect your commission, the client leaves with their house, everyone wins. No surprises.
Partners who are already closing more with us
Additional commissions, sales that were previously impossible. These are real partners with real numbers.
"It's a huge niche that my competition isn't addressing. I am now THE go-to option for my community in Queens."
"Before, I was losing clients because no lenders were attending to them. Now, I close almost all of them."
⭐ 4.9/5 average on Google and Trustpilot reviews
"I have Colombian clients who want to invest in the US without living here. Mi Casa Crédito finances them with just a passport and bank statements. A different world."
"DSCR loans for investors are brutal. My clients who buy multifamily properties for rental income close quickly without showing personal income. My niche grew 3x."
Everything a Partner Needs to Know
We resolve the most common doubts so you can close more deals with confidence from day one.
How do I become a partner with Mi Casa Crédito?
Call us at +1 877 535 0575 or write to us at info@micasacredito.com. The registration is free, no commitment, and in less than 24 hours, you'll have your dedicated mortgage advisor assigned to you. There are no long contracts or monthly fees.
How long does my client's pre-approval take?
In most cases, we deliver the pre-approval letter within 48 hours or less. For simple profiles, it can be the same day. The process requires minimal documentation—your client doesn't have to fill out 50 pages of paperwork.
Can you finance customers without a Social Security Number (SSN)?
Yes. We specialize in ITIN mortgages (for residents with ITIN) and Foreign National Loans (for foreigners not living in the U.S.). They are two of our most requested products and the heart of our business.
What documents does my client need to get started?
It depends on the program. To ITINITIN, 2 years of tax returns, and 2 months of bank statements. For Foreign National: only a valid passport and international bank statements. For DSCRProperty documentation and rental projection. Our team guides you step-by-step through each case.
Do you work with investors who have multiple properties?
Yes. Our DSCR Loan It's perfect for investors with portfolios. The client qualifies based on the property's cash flow, not their personal income. Ideal for scaling investments—without the 10-property limit of conventional mortgages.
Do you have a minimum sales volume to be a preferred partner?
No. Any partner can access our program with no minimum volume. You'll receive the same level of attention and priority from the first client you refer to us. We treat a partner with 1 referral the same as a partner with 100.
What language do you attend to my clients in?
100% in Spanish. Our entire team is bilingual, and most of our advisors are of Latin origin. Your clients will feel at home from the first contact. This reduces anxiety and increases the closing rate.
Can I track my client's loan status?
Yes. Your assigned mortgage advisor will keep you informed every step of the way — from pre-approval to closing. Without you having to chase down information. You sell properties; we move the loan and keep you updated.
Ready to close more sales?
Join partners who have already increased their closings with Mi Casa Crédito. Free, no obligation, and in Spanish. Start today.