Question 1

Can I buy a home in Campbell without a Social Security number?

Accepted Answer

Yes. ITIN loans are built for exactly this situation. You need a valid ITIN and a documented income history.

Question 2

How many years of tax returns do ITIN lenders require?

Accepted Answer

Most lenders want two years of U.S. tax returns filed under your ITIN. One year may work with strong compensating factors.

Question 3

Are ITIN mortgage rates higher than conventional rates?

Accepted Answer

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

Question 4

Can I use an ITIN loan to buy a multi-unit property in Campbell?

Accepted Answer

Some lenders allow it. Two- to four-unit properties are possible, but expect stricter reserve and down payment requirements.

Question 5

What if I don't have a traditional credit score?

Accepted Answer

Some ITIN lenders accept alternative credit — rent history, utility bills, insurance payments. Not all do, so lender selection matters.

Question 6

Do I need to be a U.S. citizen to get an ITIN loan?

Accepted Answer

No. ITIN loans are designed for non-citizens living and working in the U.S. Citizenship is not a requirement.

ITIN Loans in Campbell, CA — Buy Without a Social Security Number