Question 1

Can I buy a home in San Anselmo with just an ITIN?

Accepted Answer

Yes. A valid ITIN plus two years of filed tax returns is enough to start. You don't need a Social Security number.

Question 2

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

Accepted Answer

Most lenders require 10–20% down. A larger down payment can improve your rate. Rates vary by borrower profile and market conditions.

Question 3

Do ITIN loans have higher interest rates than conventional loans?

Accepted Answer

Yes, typically. Non-QM loans carry more risk for lenders, and that gets priced in. Rates vary by borrower profile and market conditions.

Question 4

What if I'm self-employed and have an ITIN?

Accepted Answer

Bank Statement loans can work alongside or instead of ITIN programs. We compare both to find the better fit for your income structure.

Question 5

Will Marin County's home prices affect my ITIN loan eligibility?

Accepted Answer

High purchase prices mean larger loan amounts. Confirm your lender's ITIN program goes high enough to cover San Anselmo pricing.

Question 6

How long does an ITIN loan take to close?

Accepted Answer

Timelines depend on documentation. Having two years of clean ITIN tax returns ready speeds things up considerably.

ITIN Home Loans in San Anselmo, CA