Question 1

Can I buy a home in Fremont with just an ITIN?

Accepted Answer

Yes. ITIN loans are designed for borrowers without an SSN. You need a valid ITIN, two years of tax returns, and sufficient down payment funds.

Question 2

Do I need to be a US citizen to get an ITIN loan?

Accepted Answer

No. ITIN loans are open to non-citizens who file US taxes. Legal residency status requirements vary by lender.

Question 3

What credit score do ITIN lenders look for?

Accepted Answer

Most ITIN lenders want to see a score in the mid-600s or higher. A stronger score improves your rate and terms.

Question 4

How much do I need to put down on an ITIN loan in Fremont?

Accepted Answer

Expect 10–20% down. Given Fremont's price range, that's a significant number — start saving early and document the source of those funds.

Question 5

Can a self-employed borrower use an ITIN loan?

Accepted Answer

Absolutely. Self-employed ITIN borrowers are common. Bank statements can supplement tax returns when net income looks low on paper.

Question 6

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes, typically. ITIN loans are non-QM products and carry a rate premium. Rates vary by borrower profile and market conditions.

ITIN Loans in Fremont, CA — No SSN Required