Question 1

Can I buy in Larkspur with just an ITIN?

Accepted Answer

Yes. ITIN loans are specifically built for borrowers without a SSN. You'll need a valid ITIN, U.S. credit history, and documented income.

Question 2

What credit score do ITIN lenders require?

Accepted Answer

Most non-QM lenders want at least 620. A score above 680 will get you meaningfully better rates and terms.

Question 3

How much do I need to put down?

Accepted Answer

Expect 15–20% minimum on a primary residence. Investment properties typically require more. Rates vary by borrower profile and market conditions.

Question 4

Will my ITIN tax returns count as income proof?

Accepted Answer

Yes. Two years of IRS-filed tax returns under your ITIN is the cleanest income documentation for these lenders.

Question 5

How long does ITIN loan approval take?

Accepted Answer

Non-QM underwriting typically runs 3–5 weeks. Having all documents ready upfront cuts that timeline significantly.

Question 6

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes, non-QM products carry higher rates than conventional loans. Rates vary by borrower profile and market conditions.

ITIN Loans in Larkspur, CA — No SSN Required