Question 1

Can I buy a home in Firebaugh with only an ITIN?

Accepted Answer

Yes. ITIN loans are designed for borrowers without Social Security numbers. You need tax returns, down payment, and acceptable credit.

Question 2

What credit score do I need for an ITIN loan?

Accepted Answer

Most lenders require 640 minimum. Higher scores unlock better rates. Some programs accept thin credit files with alternative payment history.

Question 3

How much down payment is required?

Accepted Answer

Expect 15-20% down for most ITIN loans. Stronger profiles occasionally qualify for 10% down. Zero-down programs don't exist for ITIN financing.

Question 4

Do ITIN loans have higher interest rates?

Accepted Answer

Yes. Rates run 1-2 points above conventional loans due to specialized underwriting. Rates vary by borrower profile and market conditions.

Question 5

Can I refinance an existing mortgage with an ITIN loan?

Accepted Answer

Yes. Both purchase and refinance transactions are eligible. Same qualification rules apply as new purchases.

ITIN Loans in Firebaugh — Home Financing Without a Social Security Number