Question 1

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

Accepted Answer

Yes. Non-QM lenders accept ITINs instead of SSNs. You still need income documentation and a down payment.

Question 2

How much do I need to put down?

Accepted Answer

Most ITIN programs require 10-20% down. A larger down payment can help offset a thin credit profile.

Question 3

Do I need a Social Security number at any point?

Accepted Answer

No. Your ITIN is used throughout the entire loan process. No SSN is required.

Question 4

What if I have no U.S. credit history?

Accepted Answer

Some lenders accept alternative credit — rent, utilities, and insurance payments. Ask us which lenders allow this.

Question 5

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes. Non-QM programs carry higher rates than conventional loans. Rates vary by borrower profile and market conditions.

Question 6

Can I refinance later with a conventional loan?

Accepted Answer

Possibly, if you obtain an SSN and build qualifying credit history. Many ITIN borrowers refinance into conventional programs over time.

ITIN Loans in Irvine, CA — No SSN Required