Question 1

Can I buy a home in Avenal 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

Do I need to be a US citizen to get an ITIN loan?

Accepted Answer

No. ITIN loans are available to non-citizens. Legal residency status requirements vary by lender.

Question 3

How many years of taxes do lenders want?

Accepted Answer

Most lenders require 2 years of returns filed under your ITIN. Gaps or missing years will slow your file.

Question 4

What's the minimum down payment for an ITIN loan?

Accepted Answer

Expect 15-20% down at minimum. Some lenders require more depending on credit profile. Rates vary by borrower profile and market conditions.

Question 5

Can I use seasonal farm income to qualify in Avenal?

Accepted Answer

Some lenders will accept seasonal income with proper documentation. Consistent 2-year history is key.

Question 6

What if I have no US credit history?

Accepted Answer

Some non-QM lenders accept foreign credit reports or alternative credit like rent and utility payment history.

ITIN Home Loans in Avenal, CA