Question 1

Can I buy in Fairfax with just an ITIN?

Accepted Answer

Yes. An ITIN replaces the SSN requirement for these loans. You still need income docs, credit history, and a down payment.

Question 2

Do ITIN loans cost more than conventional loans?

Accepted Answer

Rates are higher than conventional loans — this is non-QM. Rates vary by borrower profile and market conditions.

Question 3

How much do I need to put down in Marin County?

Accepted Answer

Expect 20-25% minimum for most ITIN programs. A larger down payment improves your rate and approval odds.

Question 4

What income documents do ITIN lenders accept?

Accepted Answer

Most accept 12-24 months of bank statements or ITIN-filed tax returns. Self-employed borrowers often use bank statements.

Question 5

Can I use an ITIN loan to buy a condo in Fairfax?

Accepted Answer

Possibly, but condo approval adds a layer. The project must meet the lender's non-QM condo guidelines — not all do.

Question 6

Is an ITIN loan harder to close than a conventional loan?

Accepted Answer

It takes more documentation and the right lender. Working with a broker who knows non-QM closes these faster.

ITIN Home Loans in Fairfax, CA