Acra Lending · Lender
Acra Lending
Review published mortgage options and requirements, then request a personalized quote from the lender.
Availability: Acra lends directly to investors in all states and D.C., except SD
At a glance
- Reserves
- No reserves required ≤ 75% LTV
Still to confirm: Borrower type, Property use, Credit requirement.
Our take: Pros & Cons
What we like
- ITIN program offers a pathway for borrowers using an Individual Taxpayer Identification Number.
- Published options include employment verification, bank statements and asset-based qualification.
What to consider
- The published program lists up to 75% purchase LTV; separate investor options have different limits. Confirm your program and required cash contribution.
- Valid government-issued identification and program-specific income documentation are required.
- Visa, U.S. credit history and geographic eligibility are not confirmed by this listing. Obtain lender review before applying.
AI-generated lender-level assessment based on published information. Not a verified assessment of ITIN — Property use unverified; confirm program-specific conditions below.
Additional lender considerations
- Request personalized rates, APR, fees and a Loan Estimate. No approval or rate is guaranteed.
Newcomer requirements
ITIN — Property use unverified
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- ITIN
- Accepted. Max 75% LTV Purchase Max 70% LTV C/O Refinance Loan amounts up to $1M
- Income documentation
- Valid government issued ID
- Employment documentation
- Qualify WVOE and one month bank statement reflecting ACH direct deposits from employer, Self Employed 12 months Personal or Business bank statements, ATR in Full/Asset Depletion
- Reserves
- No reserves required ≤ 75% LTV
View full lender requirements
- ITIN
- Max 75% LTV Purchase Max 70% LTV C/O Refinance Loan amounts up to $1M
- Income documentation
- Valid government issued ID
- Employment documentation
- Qualify WVOE and one month bank statement reflecting ACH direct deposits from employer, Self Employed 12 months Personal or Business bank statements, ATR in Full/Asset Depletion
- Reserves
- No reserves required ≤ 75% LTV
- Other conditions
- Max 75% LTV Purchase Max 70% LTV C/O Refinance Loan amounts up to $1M
Questions to confirm with the lender (12)
These requirements have not been verified for this program:
- SSN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum credit score
- Minimum down payment
- Foreign income
- Foreign assets
- State restrictions
- Property restrictions
- Occupancy
Requirements last reviewed: Oct 24, 2026 · Official requirements source
Rates and costs
ITIN — Property use unverified
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
ITIN — Property use unverified
- Valid government issued ID
- Qualify WVOE and one month bank statement reflecting ACH direct deposits from employer, Self Employed 12 months Personal or Business bank statements, ATR in Full/Asset Depletion
- Reserve requirements: No reserves required ≤ 75% LTV
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
ITIN mortgage financing with alternative income documentation options. Ask Acra or a participating mortgage professional to confirm residency, occupancy and underwriting requirements.
Legal lender: Citadel Servicing Corporation dba Acra Lending
Lending channel: Direct lending, Through mortgage brokers, Correspondent lending
Provider type: Mortgage company
Lending channels: Direct lending, Through mortgage brokers, Correspondent lending. Origination status: Not stated.
NMLS identifier: 144549
More lender directory information
Direct application information ↗
Acra lends directly to investors in all states and D.C., except SD
Directory verified: 2026-10-24 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 21, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.