Question 1

Can I buy in Tiburon with just an ITIN?

Accepted Answer

Yes — portfolio lenders accept ITIN in place of an SSN. You still need income docs, a down payment, and solid credit history.

Question 2

What down payment do ITIN loans require?

Accepted Answer

Most lenders require 20-25% down. In Tiburon's price range, that's a significant sum — plan ahead.

Question 3

Are ITIN loan rates higher than conventional?

Accepted Answer

Yes, typically. Non-QM programs carry a rate premium. Rates vary by borrower profile and market conditions.

Question 4

Do I need to be a U.S. citizen to qualify?

Accepted Answer

No. ITIN loans are specifically designed for non-citizens who pay U.S. taxes. Citizenship is not a requirement.

Question 5

How long does it take to close an ITIN loan?

Accepted Answer

Portfolio lenders move slower than conventional. Expect 30-45 days. Have your documents organized from day one.

Question 6

What if my income comes from multiple countries?

Accepted Answer

Foreign income is allowed by some lenders but must be documented carefully. Not every ITIN lender accepts it — we'll find one that does.

ITIN Loans in Tiburon, CA — No SSN Required