Question 1

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

Accepted Answer

Yes. ITIN loans are built for this. You don't need an SSN — you need a valid ITIN, two years of tax returns, and a down payment.

Question 2

What credit score do I need for an ITIN loan?

Accepted Answer

Most lenders want a 620 or higher. Some will go lower with strong reserves and a larger down payment. Rates vary by borrower profile and market conditions.

Question 3

How much do I need to put down?

Accepted Answer

Plan for 15-20% minimum. Some lenders require more depending on your credit and income documentation.

Question 4

Do I need to be a U.S. citizen to qualify?

Accepted Answer

No. ITIN loans are specifically designed for non-citizens living and working in the U.S. Citizenship is not a requirement.

Question 5

Can I use rental income to qualify?

Accepted Answer

Some ITIN lenders allow it. You'll need documentation — usually a lease and proof the income appears on your ITIN tax returns.

Question 6

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes, typically. Non-QM products carry higher rates than conventional loans. Rates vary by borrower profile and market conditions.

ITIN Home Loans in Maricopa, Kern County