Question 1

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

Accepted Answer

Yes. ITIN loans are designed for borrowers without an SSN. You'll need tax returns, steady income, and a down payment.

Question 2

Do I need to be a U.S. citizen to get an ITIN loan?

Accepted Answer

No. You need to live and work in the U.S. and have filed taxes with your ITIN. Citizenship is not required.

Question 3

How much down payment do ITIN loans require?

Accepted Answer

Most lenders require 10–20% down. A larger down payment often gets you a better rate and easier approval.

Question 4

Will my seasonal agricultural income qualify?

Accepted Answer

It can. Lenders average your income over two years. Consistent seasonal work with documented pay helps your case.

Question 5

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes. ITIN loans are non-QM products. Rates are higher than conventional loans. Rates vary by borrower profile and market conditions.

Question 6

What if I have no U.S. credit history?

Accepted Answer

Some lenders accept alternative credit — rent, utilities, phone bills. Thin credit isn't automatic disqualification, but it limits your options.

ITIN Home Loans in Gonzales, CA