Question 1

Can I get an ITIN loan in Dublin without U.S. credit history?

Accepted Answer

Some lenders accept foreign credit records or alternative history like rent and utility payments. It limits your options but doesn't eliminate them.

Question 2

How long does my ITIN need to be active?

Accepted Answer

Most lenders want at least two years of tax filings under your ITIN. One year may work with a very strong income file.

Question 3

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes. Non-QM products like ITIN loans carry higher rates than conventional financing. Rates vary by borrower profile and market conditions.

Question 4

What income documents do ITIN lenders require?

Accepted Answer

Tax returns are standard. Some lenders accept 12–24 months of bank statements or a CPA income letter for self-employed borrowers.

Question 5

Can I buy a duplex or multi-unit property with an ITIN loan?

Accepted Answer

Some lenders allow it. Program terms vary — a few restrict ITIN loans to primary single-family residences only.

Question 6

Is an ITIN loan the same as a no-SSN mortgage?

Accepted Answer

Yes, that's the same product. Lenders use ITIN as the borrower identifier in place of a Social Security number.

ITIN Home Loans in Dublin, CA