ITIN mortgages in Phoenix, AZ
ITIN mortgages finance buyers who have an Individual Taxpayer Identification Number instead of a Social Security number. Giancarlo Anduray (NMLS 1537433) originates these for Phoenix and Glendale families through AFM Lending, powered by PMR — with Spanish-language support and a real tax conversation.
What an ITIN loan is
A mortgage underwritten with an IRS ITIN, typically as a Non-QM overlay. Documentation, down payment, and reserves are usually heavier than a W-2 conventional file.
Who it is for
Phoenix and Glendale buyers who file taxes with an ITIN, often bilingual households who still want a first-time purchase or refinance. This is a work-order program, not a footnote on Non-QM.
How it relates to Non-QM
ITIN is often layered on bank-statement or similar documentation. The hub is Non-QM; this page is the ITIN-specific path the work order required.
Tax filings
ITIN files live and die on tax compliance. Mi Casa Tax Advisors and the “haven’t filed” FAQ are part of intake, not an afterthought.
Down payment
Expect more cash to close than FHA 3.5%. Gift funds and DPA depend on the overlay. We tell you the overlay before you tour.
Hablamos Español
This is a core bilingual file type. Same advisor, same Thomas Rd office.
NAP
Giancarlo Anduray – NMLS 1537433 · 4733 W Thomas Rd Ste 5, Phoenix, AZ 85031 · 623-552-4191.
Next step
Giancarlo Anduray, NMLS 1537433 · AFM Lending, powered by PMR · Premier Mortgage Resources NMLS #1169
4733 W Thomas Rd Ste 5, Phoenix, AZ 85031 · 623-552-4191 · Hablamos Español
Why Choose Giancarlo
A strategy-first mortgage team serving the Valley.
AFM Lending has funded more than $100 million and served over 250 clients — with honest advice and a personal commitment to every client guiding you from the first call straight through to closing day.
Giancarlo secures the most competitive mortgage rates available saving you money every month and over the full life of your loan.
Giancarlo offers free, no-obligation consultations to every client so you can explore your options without any pressure or upfront cost.
Giancarlo monitors your loan long after closing keeping you informed about refinancing opportunities and market changes that could benefit your financial future.
Giancarlo is always available to answer your questions providing dedicated, around the clock support throughout every stage of your mortgage journey.