Movement Mortgage has launched a centralized bilingual support team designed to help its retail loan officers serve Spanish-speaking borrowers, including originators who do not speak Spanish themselves.
The Diverse Lending Support Team will provide bilingual LO assistants and operational support throughout the mortgage process. Movement said the team can function as an extension of an LO’s operation, allowing non-Spanish-speaking loan officers to pursue borrowers they might otherwise be unable to serve.
For bilingual LOs, the support staff will help manage files so the originators can concentrate on borrower relationships and production.
“Launching our Diverse Language Support Team is more than a milestone. It is a commitment to ensuring every family feels understood, valued, and empowered throughout the homeownership journey,” said Jeremy Berrios, Movement’s vice president of multicultural markets and strategic growth.
“Language should never be a barrier to opportunity,” Berrios continued. “Cuando hablamos el idioma de nuestros clientes, no solo traducimos palabras; construimos confianza. When we speak our customers’ language, we don’t just translate words. We build trust.”
ITIN Program Moves In-House
Movement is pairing the staffing initiative with an expanded product strategy. The lender recently brought its Individual Taxpayer Identification Number mortgage program in-house, offering financing up to 85% loan-to-value for qualified borrowers who do not have Social Security numbers.
According to program details published by Movement, eligible loan amounts range from $150,000 to $1.5 million, with a maximum debt-to-income ratio of 50%. The program is limited to first liens, requires escrow, and requires an applicant’s ITIN to have been assigned at least two years before the application.
Movement accepts several forms of income documentation under the program, including W-2s and tax returns, 12 months of bank statements, 1099 income, and asset utilization. Salaried, self-employed, and other qualified borrowers may therefore have different documentation paths available.
The lender also allows nontraditional credit in some cases when a borrower has a thin credit file. That qualification may be established through 12 months of housing-payment history and two additional active tradelines, according to Movement.
Eligible properties include single-family homes, planned-unit developments, townhouses, two- to four-unit properties, and warrantable condominiums. Nonwarrantable condominiums may qualify at a maximum 70% LTV.
Borrowers must hold at least six months of principal, interest, taxes, insurance, and association dues in reserve for loans up to $1 million. The requirement rises to nine months for loans between $1 million and $1.5 million.
Movement said bringing the program in-house is intended to simplify a process that has traditionally required the company’s loan officers to broker ITIN loans elsewhere.
Building On Comunidad
The support team builds on Movement Comunidad, the lender’s established Spanish-language mortgage platform. Comunidad provides bilingual LOs, Spanish-language marketing and educational resources, digital applications, processing support, and assistance with disclosures and closings.
Movement currently says Comunidad’s Spanish-language and origination services are available in 48 states.
Hispanic households added a record 441,000 homeowners in 2025, bringing the total to 10.2 million, according to the National Association of Hispanic Real Estate Professionals’ 2025 State of Hispanic Homeownership Report. That growth represented 139.6% of the country’s net increase in homeowner households, offsetting declines among other demographic groups.
Hispanics also formed nearly 1.1 million households during the year, representing 92.6% of net U.S. household formation. However, the Hispanic homeownership rate slipped half a percentage point to 48.5% because household formation outpaced the number of households becoming homeowners.
NAHREP identified access to credit, housing affordability, limited inventory, and protections for borrowers with limited English proficiency among the issues that will determine whether that demographic growth translates into sustained homeownership gains.
*This article was primarily written by a human author. AI tools were used in a limited capacity for research assistance or light editing.
