Question 1

Can I buy a home in Chino without a Social Security number?

Accepted Answer

Yes. ITIN loans are designed for exactly this. You need a valid IRS-issued ITIN and two years of filed tax returns.

Question 2

How much do I need to put down on an ITIN loan?

Accepted Answer

Most lenders require 10–20% down. The exact amount depends on your credit profile and the lender's guidelines.

Question 3

Will my ITIN loan rate be higher than a conventional loan?

Accepted Answer

Yes. ITIN is a non-QM product, so rates are higher. Rates vary by borrower profile and market conditions.

Question 4

What if I have no US credit history?

Accepted Answer

Thin files are workable. Lenders may accept alternative tradelines like utility payments or foreign credit history.

Question 5

Can I use an ITIN loan to buy a rental property in Chino?

Accepted Answer

Some non-QM lenders allow ITIN loans on investment properties. Guidelines vary — ask us which lenders permit this.

Question 6

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

Accepted Answer

No. ITIN loans are specifically structured for non-citizens who file US taxes. Citizenship is not a requirement.

ITIN Home Loans in Chino, CA