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ITIN Loans in Rolling Hills Estates
Rolling Hills Estates sits in one of LA County's most exclusive zip codes. ITIN loans let foreign nationals and non-resident buyers access this market without SSN requirements.
Most traditional lenders won't touch ITIN borrowers, even for million-dollar homes. That creates opportunity for buyers who understand non-QM financing.
You need a valid ITIN, 15-25% down depending on loan amount, and documented income. Most lenders want 680+ credit scores and 12-24 months of bank statements or tax returns.
Reserves matter more than in conventional deals. Expect to show 6-12 months of housing payments in liquid assets, especially on purchases above $1M.
Fewer than 30 lenders nationwide offer true ITIN programs. Most impose loan caps between $2M-$3M, which works for Rolling Hills Estates but limits options on trophy properties.
Pricing runs 1-2 points higher than conventional loans. Rate overlays vary widely based on down payment, property type, and whether you have US credit history.
ITIN buyers in Rolling Hills Estates often have complex income sources—foreign wages, investment returns, rental properties abroad. Documentation flexibility separates good lenders from impossible ones.
Don't let a lender tell you ITIN loans cap at $1M. We've closed $2.5M purchases for foreign nationals who presented clean financials and strong reserves.
Foreign National loans require 30-40% down but accept zero US credit history. ITIN loans need less cash but want established US credit and reporting.
Bank Statement loans work if you run US business income through domestic accounts. Asset Depletion makes sense when you have $2M+ liquid but irregular income documentation.
Rolling Hills Estates has strict HOA rules and architectural review processes. ITIN lenders treat HOA financials like condo approval—some properties get flagged for excessive litigation or reserves.
Properties here often come with horse facilities, guest houses, or non-conforming structures. Not all ITIN lenders accept specialty appraisal requirements common in this market.
Yes, though lender options narrow. We access several lenders approving ITIN loans to $3M with 25% down and strong reserves.
Most require US tax returns showing foreign income. Some accept translated foreign tax returns with stronger down payment and reserves.
Expect rates 1-2% higher and origination fees around 1-2 points. Exact pricing depends on down payment, credit score, and property type.
Minimum 680 for most programs. Some lenders go to 660 with 25% down, but pricing worsens significantly below 700.
Yes, but expect 25-30% down and stronger reserves. Most ITIN lenders cap at one investment property at a time.
Mortgage financing for independent contractors and freelancers who earn 1099 income instead of traditional W-2 wages.
Mortgage programs that allow borrowers to qualify based on liquid assets rather than traditional employment income.
Non-QM loans that use 12 to 24 months of bank statements to verify income for self-employed borrowers.
Short-term financing that bridges the gap between buying a new property and selling an existing one.
Debt Service Coverage Ratio loans that qualify investors based on a rental property's income rather than personal income.
Mortgage programs designed for non-US citizens and non-permanent residents who want to purchase property in the United States.
Asset-based short-term loans primarily used by real estate investors for property acquisition and renovation projects.
Mortgages that allow borrowers to pay only the interest for an initial period, resulting in lower monthly payments upfront.
Financing solutions tailored for real estate investors purchasing rental properties, fix-and-flip projects, or investment portfolios.
Adjustable rate mortgages held in a lender's portfolio rather than sold on the secondary market, offering more flexible terms.
Non-QM mortgages that use a CPA-prepared profit and loss statement to verify income for self-employed borrowers.
Home loans with interest rates that adjust periodically based on market conditions after an initial fixed-rate period.
Specialized mortgage programs designed to support homeownership in underserved communities with flexible qualification criteria.
Mortgages that meet the guidelines and loan limits set by Fannie Mae and Freddie Mac for secondary market purchase.
Financing for building a new home or making major renovations, typically converting to a permanent mortgage upon completion.
Traditional mortgage financing not backed by a government agency, offering flexible terms and competitive rates for qualified borrowers.
Innovative loan products that leverage projected home equity growth to provide favorable financing terms.
Government-insured mortgages from the Federal Housing Administration with low down payments and flexible credit requirements.
A revolving line of credit secured by your home equity that allows you to borrow funds as needed during a draw period.
A fixed-rate second mortgage that provides a lump sum of cash by borrowing against the equity built in your home.
Mortgages that exceed the conforming loan limits set by the FHFA, designed for financing high-value luxury properties.
Loans for homeowners aged 62 and older that convert home equity into cash without requiring monthly mortgage payments.
Government-backed zero down payment mortgages for eligible rural and suburban homebuyers who meet income limits.
Government-guaranteed mortgages for eligible veterans, active-duty service members, and surviving spouses with zero down payment.