Question 1

Can I buy in Los Alamitos with an ITIN and no green card?

Accepted Answer

Yes. ITIN loans don't require permanent residency. You need a valid ITIN and documented U.S. tax history.

Question 2

What credit score do ITIN lenders require?

Accepted Answer

It depends on the lender. Some accept scores as low as 620. Others work with limited or foreign credit histories.

Question 3

How much do I need to put down for an ITIN loan?

Accepted Answer

Most ITIN programs in this space start at 15-20% down. Rates vary by borrower profile and market conditions.

Question 4

Do ITIN loans cost more than conventional loans?

Accepted Answer

Yes, typically. Non-QM pricing carries a premium over conventional rates. Rates vary by borrower profile and market conditions.

Question 5

Can a self-employed ITIN borrower qualify?

Accepted Answer

Yes. Some lenders allow bank statement income alongside ITIN status. Two years of consistent self-employment helps your case.

Question 6

Does SRK CAPITAL offer ITIN loans in Orange County?

Accepted Answer

Yes. SRK CAPITAL works with wholesale lenders who actively write ITIN loans in Orange County, including Los Alamitos.

ITIN Loans in Los Alamitos, CA