Question 1

Can I buy a home in La Habra with just an ITIN?

Accepted Answer

Yes. ITIN loans are designed for exactly this situation. You need two years of tax returns, a qualifying credit profile, and a down payment.

Question 2

What down payment do ITIN loans require?

Accepted Answer

Most ITIN programs require 10–20% down. A larger down payment often gets you better terms.

Question 3

Do ITIN loans have higher rates than conventional loans?

Accepted Answer

Yes, typically. ITIN loans are non-QM products. Rates vary by borrower profile and market conditions.

Question 4

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

Accepted Answer

Some lenders accept alternative credit like rent and utility payment history. Not all do — we'll find the right fit.

Question 5

Can I use rental income to qualify?

Accepted Answer

Some ITIN programs allow rental income. It needs to be documented on your tax returns to count.

Question 6

Is an ITIN loan the same as a Foreign National loan?

Accepted Answer

No. Foreign National loans are for non-residents. ITIN loans are for people who live and work in the U.S. and file taxes here.

ITIN Loans in La Habra, CA — No SSN Required