Question 1

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

Accepted Answer

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

Question 2

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

Accepted Answer

No. ITIN loans are available to non-citizens who file US taxes. Citizenship or residency status is not the qualifying factor.

Question 3

How much do I need for a down payment?

Accepted Answer

Expect 10–20% down. Most ITIN lenders require more skin in the game than a conventional or FHA loan.

Question 4

Will my foreign credit history count?

Accepted Answer

Some lenders accept foreign credit references. It depends on the lender — this is where a broker with ITIN experience really helps.

Question 5

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes, typically. Non-QM loans carry higher rates than conventional. Rates vary by borrower profile and market conditions.

Question 6

Can I use an ITIN loan to buy a new construction home in Beaumont?

Accepted Answer

Generally yes, but the builder must accept non-QM financing. We verify this upfront before you go under contract.

ITIN Loans in Beaumont, CA — No SSN Required