Question 1

Can I buy a home in Rialto with an ITIN?

Accepted Answer

Yes. ITIN loans are legal and available in California. You don't need a Social Security number to purchase property.

Question 2

What credit score do I need for an ITIN loan?

Accepted Answer

Most programs start at 620. Some specialty lenders go down to 580 with a larger down payment.

Question 3

How much do I need for a down payment?

Accepted Answer

Expect 10-20% down on most ITIN programs. Lower down payments carry higher rates.

Question 4

Do I need to be a US citizen to qualify?

Accepted Answer

No. ITIN loans are designed for non-citizens who live and work in the US and file US taxes.

Question 5

Can I use rental income to qualify?

Accepted Answer

Yes, if documented. Lenders want a paper trail — lease agreements and bank deposits showing consistent rent received.

Question 6

What documents do ITIN lenders typically require?

Accepted Answer

Two years of tax returns, 12 months of bank statements, valid ITIN, and proof of residence or rental payment history.

ITIN Loans in Rialto for Non-SSN Borrowers