Question 1

Do I need a Social Security number to buy a home in Bishop?

Accepted Answer

No. ITIN loans are built for borrowers without an SSN. A valid Individual Taxpayer Identification Number is sufficient for these non-QM programs.

Question 2

What income documents do ITIN lenders want?

Accepted Answer

Most want 12 to 24 months of bank statements or ITIN-filed tax returns. Consistent deposits and clean records matter most.

Question 3

Can I buy a rural property in Inyo County with an ITIN loan?

Accepted Answer

Some lenders will. Not all. Rural acreage and ag-zoned parcels require specific lender matching — this is where having broker access helps.

Question 4

What credit score do I need for an ITIN loan?

Accepted Answer

Requirements vary by lender. Some accept thin credit files with alternative history like rental records or utility payments instead of a traditional score.

Question 5

How is an ITIN loan different from a Foreign National loan?

Accepted Answer

Foreign National loans are for non-residents. If you live in Bishop and file U.S. taxes, ITIN loans typically offer better rates and terms.

Question 6

How much do I need for a down payment?

Accepted Answer

Most ITIN lenders require 10 to 20 percent down. Stronger income documentation and credit history can improve your options.

ITIN Home Loans in Bishop, CA