Question 1

Can I buy a home in King City with just an ITIN?

Accepted Answer

Yes. You don't need a Social Security number to purchase property in California. A valid ITIN and two years of tax filings are your starting point.

Question 2

How much do I need for a down payment?

Accepted Answer

Most ITIN programs start at 10-15% down. Exact requirements depend on the lender and your credit profile.

Question 3

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

Accepted Answer

Not always. Some lenders accept foreign credit history or thin U.S. credit files. Strong tax returns can offset a limited credit profile.

Question 4

Can farmworkers with seasonal income qualify?

Accepted Answer

Some lenders are set up for seasonal and agricultural income. The key is two years of consistent tax filing showing that income pattern.

Question 5

Is this loan only for self-employed borrowers?

Accepted Answer

No. W-2 employees with an ITIN can also qualify. Both employed and self-employed ITIN borrowers are eligible under most programs.

Question 6

What makes ITIN loans different from conventional loans?

Accepted Answer

ITIN loans are non-QM — they don't follow Fannie Mae or Freddie Mac rules. That means more flexibility, but also higher rates and larger down payments.

ITIN Home Loans in King City, CA