Question 1

Can I buy a home in Garden Grove with just an ITIN?

Accepted Answer

Yes. ITIN loans are designed for exactly this situation. You'll need tax returns, income docs, and typically 10-20% down.

Question 2

Do I need to be a permanent resident to qualify?

Accepted Answer

No. ITIN loans don't require permanent residency or a visa. Your tax filing history and income are what lenders evaluate.

Question 3

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes. ITIN loans are non-QM, so rates run higher than conventional. Rates vary by borrower profile and market conditions.

Question 4

How much do I need for a down payment?

Accepted Answer

Most ITIN lenders in Garden Grove require 10-20% down. Stronger credit profiles and more reserves can improve your terms.

Question 5

Can I use rental income to qualify for an ITIN loan?

Accepted Answer

Some lenders allow it. This depends entirely on the lender's guidelines — not all ITIN programs treat rental income the same way.

Question 6

What if I don't have a U.S. credit score?

Accepted Answer

Some lenders build an alternative credit profile using rent, utilities, and phone history. Not every ITIN lender offers this, so ask upfront.

ITIN Loans in Garden Grove, CA