Question 1

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

Accepted Answer

Yes. ITIN loans are designed for exactly this situation. You need valid ITIN, 2 years of tax returns, and a qualifying down payment.

Question 2

What down payment do ITIN loans require?

Accepted Answer

Most programs require 10–20% down. Stronger credit profiles can sometimes qualify at the lower end of that range.

Question 3

Do ITIN loans have higher interest rates?

Accepted Answer

Yes — ITIN loans are non-QM and price above conventional rates. Rates vary by borrower profile and market conditions.

Question 4

Can I use rental income on an ITIN loan?

Accepted Answer

Some lenders allow it. You'll need documentation showing consistent rental income over at least 12–24 months.

Question 5

What if I've only had my ITIN for one year?

Accepted Answer

Most lenders want 2 years of ITIN tax history. One year may limit your options — we'd shop lenders with flexible seasoning requirements.

Question 6

Is a Social Security number ever required?

Accepted Answer

Not for ITIN loan programs. These products are built specifically for borrowers without Social Security numbers.

ITIN Home Loans in Highland, CA