Question 1

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

Accepted Answer

Yes. An active ITIN plus two years of U.S. tax returns is the foundation. You'll also need a down payment and verifiable income.

Question 2

Do ITIN loans have higher interest rates?

Accepted Answer

Yes, typically. ITIN loans are non-QM products and carry more lender risk. Rates vary by borrower profile and market conditions.

Question 3

What if my income is seasonal or cash-based?

Accepted Answer

Seasonal income can work if your tax returns reflect it consistently. Cash income must be documented — lenders need a paper trail.

Question 4

How much do I need for a down payment?

Accepted Answer

Most ITIN programs require 10–20% down. A stronger credit profile or longer tax history can help you qualify at the lower end.

Question 5

Can I use an ITIN loan to buy a rental property in Holtville?

Accepted Answer

Some lenders allow ITIN loans on investment properties. Terms are stricter and down payment requirements are usually higher.

Question 6

What documents do ITIN lenders typically require?

Accepted Answer

Expect two years of tax returns, your ITIN letter, bank statements, and proof of income. Alternative credit docs help if your credit file is thin.

ITIN Home Loans in Holtville, CA