Question 1

Can I buy a home in Sutter Creek with just an ITIN?

Accepted Answer

Yes. ITIN loans are specifically built for this. You don't need a Social Security number to qualify for these programs.

Question 2

How many years of tax returns do I need?

Accepted Answer

Most lenders require two years of tax returns filed with your ITIN. Consistent filing history strengthens your application.

Question 3

What down payment should I expect?

Accepted Answer

Plan for 15-20% down at minimum. Some lenders require more depending on your credit score and loan size.

Question 4

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes, typically. ITIN loans are non-QM products. Rates are higher than conventional, and they vary by borrower profile and market conditions.

Question 5

Will rural Sutter Creek properties cause issues?

Accepted Answer

They can. Appraisals on rural or unique properties need strong comparable sales. An experienced broker helps navigate that.

Question 6

Can I use rental income to qualify?

Accepted Answer

Some ITIN lenders allow rental income. Documentation requirements vary, so we match you to lenders that accept your income type.

ITIN Loans in Sutter Creek, CA