Question 1

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

Accepted Answer

Yes. ITIN loans are built for borrowers without an SSN. You'll need tax returns, a down payment, and a clean payment history.

Question 2

What down payment do ITIN loans require?

Accepted Answer

Most programs require 10–20% down. The exact amount depends on the lender and your overall borrower profile.

Question 3

Do I need a credit score to qualify?

Accepted Answer

Some lenders accept alternative credit — rent, utilities, and phone bills. Others require a minimum score. It depends on the program.

Question 4

Can I use bank statements instead of tax returns?

Accepted Answer

Some ITIN lenders accept 12–24 months of bank statements. This works well for self-employed borrowers with variable income.

Question 5

Are ITIN loans more expensive than regular mortgages?

Accepted Answer

Yes, rates are higher than conventional loans. That's the cost of a non-QM product. Rates vary by borrower profile and market conditions.

Question 6

What if my ITIN expired — can I still apply?

Accepted Answer

No. Lenders require an active, current ITIN. Renew it with the IRS before applying — expired ITINs will kill the deal.

ITIN Loans in Gridley, CA — No SSN Required