Question 1

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

Accepted Answer

Yes. ITIN loans are designed for this. You need a valid ITIN, tax returns, and bank statements.

Question 2

Do I need a Social Security number?

Accepted Answer

No. Your ITIN replaces the SSN requirement. That's the core purpose of this loan program.

Question 3

How much do I need for a down payment?

Accepted Answer

Plan for 10-20% down. Stronger documentation and credit can push that toward the lower end.

Question 4

Will my rate be higher than a conventional loan?

Accepted Answer

Yes. Non-QM loans carry higher rates. Rates vary by borrower profile and market conditions.

Question 5

What if I'm self-employed and have an ITIN?

Accepted Answer

That's the most common profile we see. Bank statements plus tax returns can build a strong file.

Question 6

Can I use an ITIN loan to buy in San Diego County?

Accepted Answer

Yes. Vista and all of San Diego County are eligible. Property type and value affect terms.

ITIN Home Loans in Vista, CA