Question 1

Can I buy a home in Del Mar with just an ITIN?

Accepted Answer

Yes. ITIN loans are designed exactly for this. You don't need an SSN to qualify — just a valid IRS-issued ITIN and solid documentation.

Question 2

What income documents do ITIN lenders require?

Accepted Answer

Most want 12-24 months of bank statements or tax returns. Some lenders accept both. The cleaner your paper trail, the stronger your file.

Question 3

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes, typically. These are non-QM products, so rates run higher. Rates vary by borrower profile and market conditions.

Question 4

Can I use an ITIN loan on an investment property in Del Mar?

Accepted Answer

Many ITIN programs allow investment properties. Down payment requirements are usually higher — expect 25% or more on non-owner-occupied purchases.

Question 5

How long does an ITIN loan take to close?

Accepted Answer

Plan for 30-45 days. Non-QM underwriting is more manual than conventional. Clean documentation speeds things up significantly.

Question 6

Does SRK CAPITAL have ITIN lenders for high-value properties?

Accepted Answer

Yes. We work with wholesale lenders that handle jumbo ITIN loans, which matters for Del Mar's price range.

ITIN Loans in Del Mar, CA — No SSN Required