Question 1

Can I buy a home in Orange, CA with just an ITIN?

Accepted Answer

Yes. ITIN loans are designed for this. You'll need tax returns, a down payment, and a qualifying lender — we can match you with one.

Question 2

Do ITIN loans have higher interest rates than conventional loans?

Accepted Answer

Yes, ITIN loans are non-QM and carry higher rates. Rates vary by borrower profile and market conditions.

Question 3

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

Accepted Answer

Most lenders require 10–20% down. The exact amount depends on your credit profile and the lender's guidelines.

Question 4

What documents do ITIN lenders typically require?

Accepted Answer

Expect to provide your ITIN, two years of tax returns, and proof of income. Some lenders also require 12 months of bank statements.

Question 5

Can I use an ITIN loan to buy a primary residence in Orange?

Accepted Answer

Yes. Unlike Foreign National Loans, ITIN loans can be used to purchase the home you live in.

Question 6

Does SRK CAPITAL work with ITIN borrowers in Orange County?

Accepted Answer

Yes. We have access to non-QM wholesale lenders who actively approve ITIN loans in Orange County. Call us to review your file.

ITIN Loans in Orange, CA — Buy Without a Social Security Number