Question 1

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

Accepted Answer

Yes. ITIN loans are built for exactly this situation. You don't need a Social Security number to qualify.

Question 2

How much do I need for a down payment?

Accepted Answer

Most ITIN lenders require 10-20% down. The stronger your file, the lower end of that range becomes possible.

Question 3

Do ITIN loans work for rural properties?

Accepted Answer

They can, but lenders look harder at property condition and type. Well-and-septic and large acreage add review steps.

Question 4

What tax documents do I need?

Accepted Answer

Typically 12-24 months of ITIN-filed tax returns. Consistent filing history is the single biggest approval factor.

Question 5

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes. Non-QM pricing carries a premium over conventional loans. Rates vary by borrower profile and market conditions.

Question 6

Can I use a co-borrower on an ITIN loan?

Accepted Answer

Yes. A co-borrower with established credit history can strengthen the file and improve your rate tier.

ITIN Loans in Ione, CA — Buy Without a Social Security Number