Question 1

Can I buy a home in San Francisco with just an ITIN?

Accepted Answer

Yes, with the right non-QM lender. You need two years of tax returns filed under your ITIN and a qualifying credit score.

Question 2

Do I need a Social Security number to get a mortgage?

Accepted Answer

Not with an ITIN loan. Lenders in the non-QM space accept ITINs as the primary borrower identifier.

Question 3

What credit score do ITIN borrowers need?

Accepted Answer

Most lenders want 620 or above. Some go lower, but expect a higher down payment requirement to offset the risk.

Question 4

How much do I need to put down on an ITIN loan in SF?

Accepted Answer

Plan for 20-25% minimum. Higher down payments also help you access better rates. Rates vary by borrower profile and market conditions.

Question 5

Can I use bank statements instead of tax returns for an ITIN loan?

Accepted Answer

Some lenders allow it, especially for self-employed borrowers. Not all ITIN programs offer this — it depends on the lender.

Question 6

Will a retail bank in San Francisco do an ITIN loan?

Accepted Answer

No. This is strictly a non-QM product. You need a broker with access to wholesale and portfolio lenders.

ITIN Loans in San Francisco: Buy Without a Social Security Number