Question 1

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

Accepted Answer

Yes. ITIN loans are designed for exactly this. You don't need a Social Security number to qualify.

Question 2

What credit score do I need for an ITIN loan?

Accepted Answer

Most lenders want 620 or above. A higher down payment can sometimes offset a lower score.

Question 3

How much do I need to put down?

Accepted Answer

Plan for 15–25% down. ITIN lenders carry more risk, so they require more skin in the game.

Question 4

Will my tax filing history with an ITIN help me qualify?

Accepted Answer

Yes. Two or more years of ITIN tax returns builds a strong paper trail. Lenders want to see consistent income.

Question 5

Are ITIN loan rates higher than conventional rates?

Accepted Answer

They typically are. Rates vary by borrower profile and market conditions, but expect a premium over standard loans.

Question 6

Can I get an ITIN loan if I'm self-employed in Imperial?

Accepted Answer

Yes, but documentation is key. Some lenders accept 12–24 months of bank statements in place of tax returns.

ITIN Home Loans in Imperial, CA