Question 1

Can I buy a home in Fullerton without a Social Security number?

Accepted Answer

Yes. ITIN loans are designed exactly for this. You need a valid ITIN, U.S. credit history, and tax returns filed under that number.

Question 2

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

Accepted Answer

Most lenders require 15–20% down. A larger down payment can help offset a lower credit score.

Question 3

Do ITIN loans have higher interest rates?

Accepted Answer

Yes, typically higher than conventional loans. These are non-QM products. Rates vary by borrower profile and market conditions.

Question 4

What documents do ITIN lenders require?

Accepted Answer

Expect to provide 2 years of tax returns filed with your ITIN, proof of income, and 12 months of bank statements.

Question 5

Can a co-borrower with an SSN help my ITIN application?

Accepted Answer

Yes. A co-borrower can strengthen both your income and credit profile. Many ITIN approvals in Orange County work this way.

Question 6

Is an ITIN loan different from a Foreign National loan?

Accepted Answer

Yes. ITIN loans are for U.S. residents with tax and credit history here. Foreign National loans serve buyers without that U.S. footprint.

ITIN Home Loans in Fullerton, CA