Question 1

Can I buy a home in Ukiah with just an ITIN?

Accepted Answer

Yes. ITIN loans are designed for this. You don't need a Social Security number — just a valid ITIN, tax history, and a down payment.

Question 2

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

Accepted Answer

Most lenders require 15-20% down. Rates vary by borrower profile and market conditions.

Question 3

Do ITIN loans have higher interest rates than conventional loans?

Accepted Answer

Yes, typically. ITIN loans are non-QM products. Lenders price in more risk. Rates vary by borrower profile and market conditions.

Question 4

What if my income is seasonal or self-employed?

Accepted Answer

It complicates the file but doesn't disqualify you. Two years of consistent tax returns help. A Bank Statement Loan may also be worth comparing.

Question 5

Can a foreign credit report substitute for U.S. credit history?

Accepted Answer

Some lenders accept it. Not all do. This is one reason working with a broker who knows the ITIN lender pool matters.

Question 6

Is SRK CAPITAL licensed to do ITIN loans in Mendocino County?

Accepted Answer

Yes. We're California-licensed mortgage brokers. We serve borrowers across the state, including Ukiah and Mendocino County.

ITIN Home Loans in Ukiah, CA