Question 1

Can I get an ITIN loan with no credit score?

Accepted Answer

Yes, but you'll need 25-30% down and strong income documentation. Alternative credit like rent and utility payments can help.

Question 2

Do ITIN loans have higher rates than conventional?

Accepted Answer

Rates run 1-2% higher as of February 2026. Larger down payments and higher credit scores reduce that gap significantly.

Question 3

What income sources qualify for ITIN loans in Hanford?

Accepted Answer

W-2 wages, 1099 income, farm labor, small business revenue, and rental income all work. Two years of tax returns showing consistent earnings is key.

Question 4

How long does ITIN loan approval take?

Accepted Answer

Expect 30-45 days from application to closing. Non-QM underwriting takes longer than conventional loans due to manual income verification.

Question 5

Can I refinance an ITIN loan later?

Accepted Answer

Yes, you can refinance into another ITIN loan or into conventional financing if you later obtain a Social Security number. Equity and payment history help.

ITIN Loans in Hanford: Homeownership Without a Social Security Number