Question 1

Can I buy in Blue Lake without a Social Security number?

Accepted Answer

Yes. An ITIN qualifies you in place of an SSN. You'll need tax history, credit under your ITIN, and a solid down payment.

Question 2

What credit score do I need for an ITIN loan?

Accepted Answer

Most lenders want at least a 620. Some non-QM programs go lower, but expect higher rates below that threshold.

Question 3

How much do I need to put down?

Accepted Answer

Plan for 15-25% down. Some programs allow less with compensating factors like strong reserves or longer credit history.

Question 4

Can I use bank statements instead of tax returns?

Accepted Answer

Yes, if you're self-employed. Some ITIN lenders accept 12-24 months of bank statements to verify income. Rates vary by borrower profile and market conditions.

Question 5

Are ITIN loans available for rural Humboldt County properties?

Accepted Answer

Yes. Property location doesn't disqualify you. Rural properties just need standard appraisal and title requirements to check out.

Question 6

How long does it take to close an ITIN loan?

Accepted Answer

Non-QM loans can take 30-45 days. Having documents ready upfront — ITIN, tax returns, bank statements — keeps things moving.

ITIN Loans in Blue Lake, CA — No SSN Required