Question 1

Can I get an ITIN loan above $2M in Rolling Hills Estates?

Accepted Answer

Yes, though lender options narrow. We access several lenders approving ITIN loans to $3M with 25% down and strong reserves.

Question 2

Do ITIN lenders accept foreign income sources?

Accepted Answer

Most require US tax returns showing foreign income. Some accept translated foreign tax returns with stronger down payment and reserves.

Question 3

How much does an ITIN loan cost versus conventional?

Accepted Answer

Expect rates 1-2% higher and origination fees around 1-2 points. Exact pricing depends on down payment, credit score, and property type.

Question 4

What credit score do I need for an ITIN loan?

Accepted Answer

Minimum 680 for most programs. Some lenders go to 660 with 25% down, but pricing worsens significantly below 700.

Question 5

Can I use an ITIN loan for investment property?

Accepted Answer

Yes, but expect 25-30% down and stronger reserves. Most ITIN lenders cap at one investment property at a time.

ITIN Loans in Rolling Hills Estates: Finance Luxury Property Without a Social Security Number