Question 1

Can I buy in Roseville with just an ITIN and no SSN?

Accepted Answer

Yes. ITIN loans are specifically 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 programs require 15–25% down. The exact amount depends on your lender, credit profile, and property type.

Question 3

Do I need to be a US citizen or permanent resident?

Accepted Answer

No. Many ITIN borrowers are non-permanent residents. Lenders care more about your income stability and tax history.

Question 4

What if my credit history is thin or nonexistent?

Accepted Answer

Some lenders accept alternative trade lines — utility payments, rent history, or foreign credit. Not all do, so lender selection is key.

Question 5

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes, typically. Non-QM products carry more risk for lenders. Rates vary by borrower profile and market conditions.

Question 6

Can a self-employed ITIN borrower qualify?

Accepted Answer

Yes. Some lenders accept 12–24 months of bank statements in place of tax returns for self-employed ITIN borrowers.

ITIN Home Loans in Roseville, CA