Question 1

Can I buy a home in Costa Mesa without a Social Security number?

Accepted Answer

Yes. ITIN loans are designed exactly for this. You need a valid ITIN, tax filing history, and enough down payment.

Question 2

What credit score do I need for an ITIN loan?

Accepted Answer

Most lenders start at 620. A higher score or larger down payment can open more program options.

Question 3

How much do I need to put down?

Accepted Answer

Plan for 15–25% down. Some lenders go lower with strong reserves and income documentation.

Question 4

Do I need to be a permanent resident to qualify?

Accepted Answer

No. ITIN loans do not require permanent residency or citizenship. Your visa or residency status isn't the primary factor.

Question 5

How long does an ITIN loan take to close in Orange County?

Accepted Answer

Non-QM loans like this typically close in 21–30 days. Being fully prepared with documents speeds things up.

Question 6

What documents do ITIN lenders require?

Accepted Answer

Expect 12–24 months of tax returns filed with your ITIN, bank statements, and proof of income. Lenders vary.

ITIN Loans in Costa Mesa, CA