Question 1

Can I buy a home in Belvedere without a Social Security number?

Accepted Answer

Yes. ITIN loans are built for exactly this. You need a valid ITIN and U.S. tax filing history, not an SSN.

Question 2

How much do I need to put down on an ITIN loan?

Accepted Answer

Most programs require 20–25% down. Higher down payments can improve your rate and approval odds.

Question 3

Do ITIN loans work for Marin County's high home prices?

Accepted Answer

Some do, some don't. You need a lender with high loan limits and experience with non-QM jumbo deals. We know which ones qualify.

Question 4

What income documents do ITIN lenders accept?

Accepted Answer

Tax returns are standard. Many lenders also accept 12–24 months of bank statements, which helps self-employed borrowers significantly.

Question 5

Is an ITIN loan the same as a Foreign National loan?

Accepted Answer

No. Foreign National loans are for buyers with no U.S. tax history. ITIN loans are for those already filing U.S. taxes.

Question 6

How long does ITIN loan approval take in California?

Accepted Answer

Non-QM loans like ITIN products typically take 30–45 days. Having your ITIN documents organized upfront speeds things up.

ITIN Loans in Belvedere, CA