Question 1

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

Accepted Answer

Yes. ITIN loans are specifically built for borrowers without an SSN. You'll need proof of income and a valid ITIN on file with the IRS.

Question 2

What down payment do ITIN loans require?

Accepted Answer

Most lenders require 10-20% down. Exact requirements depend on the lender's guidelines and your credit profile.

Question 3

Do ITIN loans have higher interest rates?

Accepted Answer

They typically run higher than conventional loans. Rates vary by borrower profile and market conditions.

Question 4

Will my foreign credit history count?

Accepted Answer

Some ITIN lenders accept foreign credit reports. Not all do — this is a key factor when choosing your lender.

Question 5

Can I buy rural or agricultural property with an ITIN loan?

Accepted Answer

Some non-QM lenders allow it. Rural and ag properties require careful lender matching — not every program covers them.

Question 6

How long does it take to close an ITIN loan?

Accepted Answer

Non-QM loans often take 30-45 days. Complex income documentation can add time — start gathering paperwork early.

ITIN Loans in Plymouth, CA — No SSN Required