Question 1

Can I get an ITIN loan on a Woodside property over $3 million?

Accepted Answer

Yes, but lender options narrow significantly. Most ITIN programs cap at $3 million, so you'll need 40-50% down to keep the loan amount under that threshold.

Question 2

Do ITIN loans require higher interest rates than conventional loans?

Accepted Answer

Expect rates 1-2.5% higher than conventional loans as of February 2026. The exact spread depends on down payment, credit profile, and whether you qualify via tax returns or bank statements.

Question 3

How long does ITIN loan approval take in San Mateo County?

Accepted Answer

Allow 45-60 days from application to closing. Woodside appraisals add 1-2 weeks versus standard markets, and ITIN documentation review takes longer than conventional processing.

Question 4

Can I use cryptocurrency as reserves for an ITIN loan?

Accepted Answer

Select non-QM lenders now accept verified crypto holdings as reserves. This helps tech-sector ITIN borrowers who hold significant digital assets meet reserve requirements for high-value properties.

Question 5

What credit score do I need for an ITIN loan in Woodside?

Accepted Answer

Most lenders require 680-700 minimum. Some accept alternative credit if you lack traditional bureau scores, using rent payments, utilities, and insurance payment history instead.

Question 6

Do ITIN lenders finance properties with ADUs in Woodside?

Accepted Answer

Yes, but the ADU must meet county permit requirements and lender guidelines. Unpermitted structures typically disqualify the property or require removal before closing.

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