ITIN Close Call Loans for Self-Employed Borrowers

With Tony McConnell at The Mortgage Krew, ITIN Close Call Loans are designed for self-employed borrowers in California who hold an ITIN and are seeking a flexible path to homeownership, even if they don’t meet all standard qualification criteria. This program provides an alternative for borrowers who may be just shy of conventional approval guidelines but have strong financial profiles.
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Qualify Using Your ITIN and Alternative Documentation

With Tony McConnell at The Mortgage Krew, ITIN Close Call Loans allow borrowers to qualify using their ITIN combined with alternative documentation, such as bank statements, profit and loss statements, or verified employment letters. Lenders evaluate overall financial stability rather than focusing strictly on traditional income verification. Tony McConnell at The Mortgage Krew guides borrowers through the documentation process, ensuring their financial picture is presented accurately and strategically for approval.
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Ideal for Self-Employed Professionals Near Standard Guidelines

With Tony McConnell at The Mortgage Krew, ITIN Close Call Loans are perfect for self-employed individuals, freelancers, and entrepreneurs who may not fully meet conventional loan requirements but demonstrate financial responsibility and stability. This program provides flexibility for borrowers whose income, credit history, or documentation falls slightly outside traditional standards. Tony McConnell at The Mortgage Krew ensures that each application highlights strengths and maximizes the likelihood of approval, even in challenging qualification scenarios.
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Benefits of ITIN Close Call Loans

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Alternative Path to Qualification Allows ITIN holders to secure a mortgage even if standard requirements aren’t fully met.

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Ideal for Self-Employed Professionals Perfect for entrepreneurs, freelancers, and independent contractors near conventional approval limits.

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Flexible Loan Structures Available for primary residences, investment properties, and multi-unit homes.

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Faster, Streamlined Approvals Alternative documentation and ITIN eligibility simplify underwriting and closings.
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Flexible Loan Terms and Financing Options

With Tony McConnell at The Mortgage Krew, ITIN Close Call Loans offer multiple term options, including fixed and adjustable rates, competitive interest rates, and flexible down payment requirements. These loans are available for primary residences, investment properties, or multi-unit homes. The program’s flexibility allows borrowers to select financing that aligns with their long-term goals while providing an alternative path to homeownership for ITIN holders.
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Why Choose Us

With Tony McConnell at The Mortgage Krew, self-employed borrowers across California receive mortgage solutions built specifically around real-world income, not rigid lending formulas. Traditional lenders often struggle to properly evaluate self-employment income, which leads to unnecessary denials or delays. At The Mortgage Krew, every loan strategy is designed to reflect how entrepreneurs, business owners, and independent professionals actually earn and manage money.

We are known for

We are known for offering alternative income options, including bank statement loans, P&L loans, 1099 income, asset utilization, and WVOE programs.

With Tony McConnell at The Mortgage Krew, every mortgage is structured around the borrower’s financial reality—not generic lender templates.

Clients choose The Mortgage Krew for honest guidance, clear expectations, and consistent updates throughout the loan process.

We are known for thorough preparation, lender-aligned submissions, and smooth closings that keep transactions on track.

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Why Choose Rapid Closing?

Choosing the right mortgage partner can make all the difference in your homeownership journey. At Rapid Closing, we combine speed, expertise, and personalized care to deliver financing solutions that are tailored to your goals. Whether you’re a first-time home buyer, refinancing, or exploring specialized programs, our team is dedicated to making the process smooth, transparent, and stress-free. With Rapid Closing, you’re not just getting a loan—you’re gaining a trusted partner who stands by you every step of the way.

We are known for

Fast & Reliable Closings – Streamlined processes that save you time and stress.

Wide Range of Loan Programs – From FHA and VA to DSCR, Jumbo, and USDA loans.

Personalized Guidance – Clear, step-by-step support with dedicated loan specialists.

Flexible Solutions – Options designed for first-time buyers, investors, and unique situations.

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"FAQs"

Yes. With Tony McConnell at The Mortgage Krew, self-employed borrowers have access to flexible loan programs such as bank statement loans, P&L loans, 1099 loans, asset utilization, and WVOE options designed specifically for non-traditional income.

Not always. With Tony McConnell at The Mortgage Krew, many programs allow qualification without tax returns, using alternative income documentation instead.

Yes. With Tony McConnell at The Mortgage Krew, zero down home loans and CalHFA FHA programs may be available for eligible California borrowers.

Yes. With Tony McConnell at The Mortgage Krew, ITIN Premier and ITIN Close Call loan programs are available for borrowers without a Social Security Number.

With Tony McConnell at The Mortgage Krew, properly prepared loans typically close within standard timelines, and proactive guidance helps avoid unnecessary delays.

Streamlined Process for ITIN Borrowers

With Tony McConnell at The Mortgage Krew, ITIN Close Call Loans are structured for efficiency. By emphasizing alternative income verification and ITIN eligibility, underwriting can proceed faster and with fewer obstacles than conventional loans. Tony McConnell at The Mortgage Krew works step-by-step with borrowers to prepare documentation, submit applications correctly, and communicate with lenders throughout the approval process, ensuring a smooth and reliable experience.