Question 1

Can I buy in Rocklin with just an ITIN?

Accepted Answer

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

Question 2

How much do I need for a down payment?

Accepted Answer

Most ITIN lenders require 15-20% down. More down usually means better terms. Rates vary by borrower profile and market conditions.

Question 3

Do I need a U.S. credit score?

Accepted Answer

Most lenders want U.S. credit history. Some accept foreign credit reports as a substitute — ask us which lenders allow that.

Question 4

How long does the ITIN loan process take in Rocklin?

Accepted Answer

Expect 30-45 days with a prepared file. Missing documents are the main cause of delays — get your tax returns ready early.

Question 5

Is an ITIN loan a permanent mortgage or temporary?

Accepted Answer

It's a real mortgage. You can refinance into a conventional loan later if you obtain a Social Security number and build U.S. credit.

Question 6

What property types are eligible in Rocklin?

Accepted Answer

Most ITIN lenders approve single-family homes and condos. Multi-unit and investment properties depend on the lender — options vary.

ITIN Loans in Rocklin, CA — No SSN Required