Question 1

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

Accepted Answer

Yes. You don't need a Social Security number. A valid ITIN plus tax history is enough to qualify with the right lender.

Question 2

Do I need to be a citizen or permanent resident?

Accepted Answer

No. ITIN loans are designed for non-citizens. Residency status does not determine eligibility for these programs.

Question 3

How much do I need to put down?

Accepted Answer

Most ITIN programs require 10-20% down. The exact amount depends on your income, credit, and which lender we match you with.

Question 4

Can I use foreign credit history to qualify?

Accepted Answer

Some lenders accept foreign credit records. It varies by program — this is exactly where shopping multiple lenders matters.

Question 5

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Typically yes. Non-QM loans carry more risk for lenders. Rates vary by borrower profile and market conditions.

Question 6

What documents do ITIN borrowers need?

Accepted Answer

Expect to provide your ITIN letter, two years of tax returns, and proof of income. More documentation means more lender options.

ITIN Loans in Barstow, CA — No SSN Required