Question 1

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

Accepted Answer

Yes. ITIN loans are designed for exactly this. You don't need a Social Security number to qualify.

Question 2

How many years of taxes do lenders require?

Accepted Answer

Most ITIN lenders want two years of filed U.S. tax returns. Some accept one year with strong compensating factors.

Question 3

What credit score do I need for an ITIN loan?

Accepted Answer

It depends on the lender. Most want at least 600–640. Higher scores get better rates and terms.

Question 4

How much do I need for a down payment?

Accepted Answer

Expect 15–20% down for most ITIN purchase loans. Some programs may require more based on your profile.

Question 5

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes. Non-QM loans like ITIN products carry higher rates. Rates vary by borrower profile and market conditions.

Question 6

Can SRK CAPITAL help me find an ITIN lender in Lincoln?

Accepted Answer

Yes. We work with non-QM wholesale lenders who offer ITIN programs. We'll match you with the best fit for your file.

ITIN Loans in Lincoln, CA — Homeownership Without a SSN