Question 1

Can I qualify with one year of tax returns?

Accepted Answer

No. Every ITIN lender we work with requires two years minimum. They need to see income consistency before approving a 30-year loan.

Question 2

Do I need a valid work visa to get an ITIN loan?

Accepted Answer

No. Lenders care that you file taxes and have stable income. Your immigration status doesn't appear in the underwriting file.

Question 3

What if my tax returns show different income each year?

Accepted Answer

Lenders average the two years. A 20% variance is fine. Anything larger raises questions about income stability.

Question 4

Can I buy investment property with an ITIN loan in Sanger?

Accepted Answer

Most programs require owner occupancy. A few lenders offer ITIN investment loans with 25-30% down and higher rates.

Question 5

How long does ITIN loan approval take in Fresno County?

Accepted Answer

Figure 30-45 days. Non-QM underwriting moves slower than conventional loans because fewer underwriters handle these files.

ITIN Loans in Sanger — Buy a Home Without a Social Security Number