Question 1

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

Accepted Answer

Yes. A valid ITIN and two years of filed tax returns are the foundation. You'll also need a down payment and documented income.

Question 2

Do I need a green card to qualify?

Accepted Answer

No green card or visa is required for an ITIN loan. Lenders care about your tax history and income, not your immigration status.

Question 3

What credit score do I need?

Accepted Answer

Requirements vary by lender. Some will work with scores as low as 620 or use alternative credit history. Thin files are not automatic disqualifiers.

Question 4

Can I use income from a Mexican employer?

Accepted Answer

Some ITIN lenders accept foreign employer income. Documentation must be thorough — pay stubs, contracts, and bank deposits all matter.

Question 5

How much more do ITIN loans cost than FHA?

Accepted Answer

Rates are typically higher than FHA or conventional. Exact differences depend on your file and the lender. Rates vary by borrower profile and market conditions.

Question 6

How long does the ITIN loan process take?

Accepted Answer

Non-QM loans can take longer than conventional loans — often 30 to 45 days. Having your documents ready upfront speeds things up significantly.

ITIN Home Loans in Calexico, CA