In this episode of the Welcome Home podcast, we explore two important alternatives to the traditional mortgage – Non-Interest-Bearing Financing for those looking to accommodate religious restrictions on the payment of interest, and Individual Taxpayer Identification Number (ITIN) mortgages for those who do not have a U.S. social security number. Mahamud Gorod, an account executive with Guidance Residential, and Fernando Urbina, a mortgage loans VP with Sunrise Banks join host Bill Gray for this conversation.


  • Fernando Urbina — Vice President, Mortgage Loans, Sunrise Banks
  • Mahamud Gorod — Account Executive, Guidance Residential


  • Bill Gray — Director of Stakeholder Relations, Minnesota Homeownership Center