Question 1

Can I buy a cabin in Alpine County with an ITIN loan?

Accepted Answer

Yes, but not every lender approves rural or cabin properties. We match you with lenders comfortable with Alpine County collateral.

Question 2

Do I need a Social Security number to get a mortgage?

Accepted Answer

No. ITIN loans are built for borrowers who file taxes with an ITIN instead of an SSN. You still need documented income and credit history.

Question 3

How many years of tax returns do ITIN lenders require?

Accepted Answer

Most require two years of tax returns filed under your ITIN. Gaps or inconsistent income between years will slow down your approval.

Question 4

What credit score do I need for an ITIN loan?

Accepted Answer

Most lenders set the floor at 620–640. A stronger score improves your rate. Rates vary by borrower profile and market conditions.

Question 5

How is an ITIN loan different from a Foreign National loan?

Accepted Answer

ITIN loans require U.S. tax filings under your ITIN. Foreign National loans are for buyers with no U.S. tax history at all.

Question 6

Why work with a broker instead of a bank for an ITIN loan?

Accepted Answer

Most banks don't offer ITIN programs. Brokers like SRK access 200+ wholesale lenders — far more options than any single bank can offer.

ITIN Loans in Markleeville, CA — No SSN Required