Question 1

Can I buy in Los Altos Hills with just an ITIN?

Accepted Answer

Yes. An ITIN replaces the SSN requirement entirely. You still need income docs, credit history, and a down payment.

Question 2

What down payment do ITIN loans require?

Accepted Answer

Most programs require 20-30% down. At Los Altos Hills price points, that's a significant sum — plan reserves beyond the down payment.

Question 3

Do I need US credit history for an ITIN loan?

Accepted Answer

Most lenders want US-based credit. Some accept foreign credit reports, but options narrow and rates go up without a US profile.

Question 4

How do ITIN loan rates compare to conventional rates?

Accepted Answer

Expect a premium over conventional rates. Rates vary by borrower profile and market conditions — the spread depends on your credit and down payment.

Question 5

Can a co-borrower with an SSN help my ITIN application?

Accepted Answer

Yes, and often meaningfully. A co-borrower with strong US credit can improve your rate and expand your lender options.

Question 6

Are ITIN loans available for high-value homes in Santa Clara County?

Accepted Answer

Yes. Several non-QM lenders we work with have no maximum loan cap. Loan amounts over $3M are possible with the right profile.

ITIN Home Loans in Los Altos Hills, CA