Question 1

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

Accepted Answer

Yes. You don't need a Social Security number. A valid ITIN, steady income history, and sufficient down payment are the core requirements.

Question 2

What credit score do I need for an ITIN loan?

Accepted Answer

Most lenders want 620 or higher. A stronger score — 680 or above — gets you better rates. Rates vary by borrower profile and market conditions.

Question 3

How much do I need to put down?

Accepted Answer

Plan for 10-20% down. Some programs allow 10%, but 20% down often improves your rate and approval odds significantly.

Question 4

Do ITIN loans have higher rates than conventional loans?

Accepted Answer

Yes, typically. ITIN is a non-QM product, so rates run higher. Rates vary by borrower profile and market conditions.

Question 5

Can a co-borrower with a Social Security number help my application?

Accepted Answer

Absolutely. Adding a co-borrower with a SSN and strong credit can strengthen your file and improve the terms you're offered.

Question 6

What documents do I need to apply?

Accepted Answer

Expect to provide your ITIN, 12-24 months of bank statements or tax returns, proof of employment, and ID. Your broker will give you a full list.

ITIN Loans in Lathrop, CA — No SSN Required