Question 1

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

Accepted Answer

Yes. ITIN loans are designed for exactly that. You need a valid ITIN, filed tax returns, and verifiable income.

Question 2

What credit score do I need for an ITIN loan?

Accepted Answer

Requirements vary by lender. Most want at least a 620 score. Some accept foreign credit history if US credit is limited.

Question 3

How much do I need for a down payment?

Accepted Answer

Plan for 10–20% down. Exact requirements depend on the lender and your credit profile. Rates vary by borrower profile and market conditions.

Question 4

Do I need to be a US citizen to qualify?

Accepted Answer

No. ITIN loans are built for non-citizens. You must live and work in the US and have a valid ITIN.

Question 5

What documents will lenders ask for?

Accepted Answer

Expect two years of tax returns, pay stubs or bank statements, and proof of ID. Your ITIN must be current and valid.

Question 6

Is an ITIN loan harder to get than a conventional loan?

Accepted Answer

It takes more documentation and a larger down payment. But for borrowers without an SSN, it's often the only real path to ownership.

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