U.S. Citizen

Borrower(s) and co-borrower(s) who are the listing agent of the subject property

Permanent Resident Alien

Vesting held in Corporations, Partnerships, Limited Partnerships, or LLC

Non-Permanent Resident- Primary residence, 1 unit only

Borrower(s) without a social security number

Non-occupant Co-borrower- Primary residence, 1 unit only

Individual Taxpayer Identification Numbers (ITINs)

Living “Inter Vivos” Trusts

Borrower(s) with more than 4 financed properties, including the borrower's subject property and regardless of occupancy

Diplomats – diplomatic immunity should appear on Visa or checked against State Dept’s List

Land Trusts

Borrower(s) who are not natural persons and loans with title or interest held in various

forms/legal entities such as life estates, non-revocable trusts, guardianships, conservatorships, LLCs, corporations, or partnerships

Borrower(s) purchasing a property from a builder who, in turn, is purchasing the borrower’s

existing property

Borrower(s) or co-borrower(s) employed in the construction trades who are involved in the

construction, financing or sale of the subject property

Loans with more than 4 borrowers