Question 1

Can I buy a home in Rancho Cucamonga with just an ITIN?

Accepted Answer

Yes. You don't need a Social Security number. A valid ITIN and tax filing history are the foundation of your application.

Question 2

What down payment do ITIN loans require?

Accepted Answer

Most lenders require 10–20% down. A larger down payment can offset a lower credit score or thinner credit file.

Question 3

Do I need to be a U.S. citizen to get an ITIN loan?

Accepted Answer

No. ITIN loans are designed for non-citizens. You must live and work in the U.S. and file U.S. taxes.

Question 4

How are ITIN loan rates compared to conventional loans?

Accepted Answer

Rates are higher than conventional. This is non-QM lending — lenders price in more risk. Rates vary by borrower profile and market conditions.

Question 5

What documents do ITIN borrowers typically need?

Accepted Answer

Expect to provide two years of tax returns, 12–24 months of bank statements, and proof of your active ITIN.

Question 6

Can SRK CAPITAL find ITIN lenders in San Bernardino County?

Accepted Answer

Yes. We work with wholesale lenders who actively do ITIN loans in California. San Bernardino County is a market we know well.

ITIN Home Loans in Rancho Cucamonga