Question 1

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

Accepted Answer

Yes. ITIN loans are built for this. You don't need an SSN to qualify — just a valid ITIN and solid documentation.

Question 2

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

Accepted Answer

Most lenders require 20-30% down. Higher down payments reduce lender risk and can improve your rate.

Question 3

What documents do ITIN lenders want to see?

Accepted Answer

Expect to provide two years of tax returns and 12-24 months of bank statements. Some lenders also require proof of residency.

Question 4

Do ITIN loans cost more than conventional loans?

Accepted Answer

Yes, typically. Rates on non-QM products run higher than conventional. Rates vary by borrower profile and market conditions.

Question 5

Can I use foreign credit history to qualify?

Accepted Answer

Some ITIN lenders accept foreign credit history. Not all do. We'll match you with lenders whose guidelines fit your profile.

Question 6

Is an ITIN loan the same as a Foreign National Loan?

Accepted Answer

No. ITIN loans are for U.S. residents who pay taxes here. Foreign National Loans are for buyers based outside the U.S.

ITIN Loans in Yountville, CA — No SSN Required