Question 1

Can I buy a home in St. Helena with just an ITIN?

Accepted Answer

Yes. ITIN loans are designed for exactly this. You don't need a Social Security number to qualify.

Question 2

What credit score do ITIN lenders require?

Accepted Answer

It depends on the lender. Some accept scores as low as 600. Others allow alternative credit with no score at all.

Question 3

How much do I need to put down?

Accepted Answer

Most lenders want 10–20% down for ITIN loans. Higher down payments often get you better terms.

Question 4

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes, typically. Non-QM products carry a rate premium. Shopping across lenders closes part of that gap. Rates vary by borrower profile and market conditions.

Question 5

Do I need to be a US citizen to get an ITIN loan in Napa County?

Accepted Answer

No. ITIN loans exist specifically for non-citizens who live and work in the US and file US taxes.

Question 6

What documents do I need to apply for an ITIN loan?

Accepted Answer

Expect to provide your ITIN letter, two years of tax returns, proof of income, and ID. Some lenders add bank statements.

ITIN Loans in St. Helena, CA — Buy Without a Social Security Number