Question 1

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

Accepted Answer

Yes. You need a valid ITIN, proof of income, and 15-20% down. Lenders verify your tax filings and work history. We connect you with lenders who fund ITIN loans in Fresno County.

Question 2

What credit score do I need for an ITIN loan?

Accepted Answer

Most lenders want 620 or higher. Some approve 580 with 20-25% down. We shop lenders based on your credit profile to find approval.

Question 3

Do ITIN loans have higher interest rates?

Accepted Answer

Yes, typically 0.5-1.5% above conventional rates. The rate compensates lenders for limited credit data. Rates vary by borrower profile and market conditions.

Question 4

Can I use bank statements instead of tax returns?

Accepted Answer

Many lenders accept 12-24 months of bank statements. This works well for self-employed borrowers who write off business expenses. We determine which documentation path qualifies you for more.

Question 5

How long does ITIN loan approval take in Parlier?

Accepted Answer

Expect 45-60 days from application to closing. Rural appraisals and non-QM underwriting take longer than conventional loans. Start the process early if you have a purchase deadline.

ITIN Loans in Parlier: Homeownership Without a Social Security Number