Question 1

Can I buy a home in Huntington Beach with just an ITIN?

Accepted Answer

Yes. ITIN loans exist specifically for this. You'll need tax returns, a down payment, and a qualifying lender.

Question 2

What down payment do ITIN loans require?

Accepted Answer

Most lenders start at 10–20%. Higher down payments often get you better rates and easier approval.

Question 3

Do I need a U.S. credit score to qualify?

Accepted Answer

Not always. Some lenders accept foreign credit history or alternative credit like rent and utility payments.

Question 4

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes. These are non-QM loans with more lender risk. Expect higher rates than standard conventional products. Rates vary by borrower profile and market conditions.

Question 5

How many years of tax returns do lenders want?

Accepted Answer

Most ITIN lenders require two years of U.S. tax returns filed with your ITIN. Consistent income reporting helps.

Question 6

Can a broker help me find an ITIN lender in Orange County?

Accepted Answer

Yes — and it's the smartest move. ITIN lenders aren't retail banks. A broker with non-QM access finds the right fit.

ITIN Loans in Huntington Beach — No SSN Required