Question 1

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

Accepted Answer

Yes. ITIN loans are designed for exactly this situation. You don't need a Social Security number — just an active ITIN and solid tax history.

Question 2

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

Accepted Answer

No. Citizenship is not a requirement for ITIN loans. Legal residency status requirements vary by lender.

Question 3

How much do I need for a down payment?

Accepted Answer

Most ITIN programs start at 15-20% down. A larger down payment can improve your rate and approval odds.

Question 4

What income documents do lenders require?

Accepted Answer

Two years of U.S. tax returns is standard. Self-employed borrowers may use 12-24 months of bank statements instead.

Question 5

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes, typically. ITIN loans are non-QM products and carry a rate premium. Rates vary by borrower profile and market conditions.

Question 6

Can SRK CAPITAL help ITIN borrowers in Kings County?

Accepted Answer

Yes. We work with wholesale lenders who actively underwrite ITIN files. We shop across 200+ lenders to find the right fit.

ITIN Home Loans in Lemoore, CA