Question 1

Can I buy in Angels Camp with just an ITIN?

Accepted Answer

Yes. You don't need a Social Security number. Lenders use your ITIN, tax returns, and credit history to evaluate you.

Question 2

How much do I need to put down?

Accepted Answer

Most ITIN lenders require 15-25% down. More down usually means better rates and easier approval.

Question 3

Do I need a U.S. credit score?

Accepted Answer

Yes — most lenders want a 620 or higher. Some will work with less if reserves and income are strong.

Question 4

Are ITIN loans more expensive than conventional?

Accepted Answer

Typically yes. Non-QM products carry higher rates. Rates vary by borrower profile and market conditions.

Question 5

Can I buy a rural property in Calaveras County?

Accepted Answer

Yes, but rural appraisals can be harder to clear with non-QM lenders. Work with a broker who knows rural deals.

ITIN Home Loans in Angels Camp, CA