Question 1

Can I buy a home in Laguna Niguel with an ITIN?

Accepted Answer

Yes. ITIN loans are available for purchase in Orange County. You need valid ITIN documentation and verifiable income history.

Question 2

Do ITIN loans require U.S. credit history?

Accepted Answer

Not always. Some lenders accept foreign credit history. Others want 12 months of U.S. payment records. It depends on the lender.

Question 3

What income documents do ITIN borrowers need?

Accepted Answer

Most lenders want 12-24 months of bank statements or tax returns filed with your ITIN. Self-employed borrowers typically use bank statements.

Question 4

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes. ITIN loans are non-QM products and priced higher than conventional. Rates vary by borrower profile and market conditions.

Question 5

How much down payment do I need for an ITIN loan?

Accepted Answer

Plan for 10-20% down. Higher down payments typically improve your rate and increase lender approval willingness.

Question 6

Does my immigration status affect my ITIN loan approval?

Accepted Answer

ITIN lenders evaluate income, credit, and assets — not immigration status. Your ability to repay drives the decision.

ITIN Loans in Laguna Niguel, CA