Question 1

Can I buy a primary home in Greenfield with just an ITIN?

Accepted Answer

Yes. ITIN loans are designed for primary home purchases. You'll need tax returns and proof of income, but no Social Security number is required.

Question 2

How much do I need for a down payment on an ITIN loan?

Accepted Answer

Most ITIN programs require 10-20% down. The exact amount depends on the lender and your credit profile. Rates vary by borrower profile and market conditions.

Question 3

Do I need U.S. credit history to qualify?

Accepted Answer

Not always. Some lenders accept foreign credit history or alternative tradelines. A broker can find lenders that work with thin credit files.

Question 4

What income documents do ITIN lenders want?

Accepted Answer

Two years of ITIN tax returns is the standard. Self-employed borrowers can often use 12-24 months of bank statements instead.

Question 5

Are ITIN loans available for agricultural workers in Greenfield?

Accepted Answer

Yes. Steady income is what matters — ag workers with documented earnings and filed ITIN returns can qualify. Seasonal income may require additional documentation.

Question 6

Why can't I just go to my bank for an ITIN loan?

Accepted Answer

Most retail banks don't offer ITIN programs. These are non-QM products held by specialty lenders — you need a broker with access to that network.

ITIN Loans in Greenfield, CA — Homeownership Without a Social Security Number