Question 1

Can I buy a home in San Juan Bautista without a Social Security number?

Accepted Answer

Yes. ITIN loans let you use your IRS tax ID instead. You'll need consistent tax filings and a solid down payment.

Question 2

How many years of ITIN tax returns do lenders require?

Accepted Answer

Most require two years of returns filed under your ITIN. Gaps in filing history can delay or derail approval.

Question 3

Do ITIN loans have higher interest rates than conventional loans?

Accepted Answer

Yes, typically. They're non-QM products, so lenders price for added risk. Rates vary by borrower profile and market conditions.

Question 4

What if I have little or no U.S. credit history?

Accepted Answer

Some ITIN lenders accept alternative credit — rent, utilities, insurance payments. Ask your broker which lenders allow this.

Question 5

Can self-employed ITIN holders qualify in San Benito County?

Accepted Answer

Yes. Bank statement programs work well alongside ITIN qualification. Two years of statements is the standard ask.

Question 6

Is an ITIN loan different from a Foreign National loan?

Accepted Answer

Yes. ITIN loans are for U.S.-based borrowers. Foreign National loans are for buyers who live outside the country.

ITIN Home Loans in San Juan Bautista, CA