Question 1

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

Accepted Answer

Yes. ITIN loans are specifically built for this. You'll need documented income, a down payment, and ITIN tax filing history.

Question 2

Do I need to be a US citizen to use an ITIN loan?

Accepted Answer

No. ITIN loans are designed for non-citizens living and working in the US. Citizenship is not a requirement.

Question 3

How much do I need for a down payment?

Accepted Answer

Most ITIN lenders require 10-20% down. A larger down payment can improve your rate and approval odds.

Question 4

What if I have no US credit history?

Accepted Answer

Some lenders accept alternative credit — rent receipts, utility bills, or international credit history. Not all lenders allow this, so lender selection matters.

Question 5

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes, typically. ITIN loans are non-QM products and carry more lender risk. Rates vary by borrower profile and market conditions.

Question 6

Can SRK CAPITAL help ITIN borrowers in Redlands?

Accepted Answer

Yes. SRK CAPITAL works with wholesale lenders that have active ITIN programs. We find the best fit for your income type and credit profile.

ITIN Home Loans in Redlands, CA