Dalila and William Timal look like any other couple signing a home mortgage. They've picked out paint colors for their new four-bedroom house and can't wait for their 18-month-old son to play in the yard. But they differ from others you'd sometimes see at a loan officer's desk: Neither is a U.S. citizen nor a legal resident. The Timals came to this country from Guatemala in the late '90s and illegally overstayed their visas. Advertisement They are the beneficiaries of a new program by Fifth Third Bank that bases mortgages on an individual taxpayer identification number, or ITIN. Nationwide, increasing...