Question 1

Can I get an ITIN loan without a green card?

Accepted Answer

Yes. A valid ITIN is the only government ID required. Immigration status doesn't determine eligibility for non-QM lenders.

Question 2

How much do I need to put down?

Accepted Answer

Most ITIN lenders require 15–20% down. Some go higher depending on your credit profile and income documentation.

Question 3

Will my rate be higher than a conventional loan?

Accepted Answer

Yes. ITIN loans are non-QM products and price higher. Rates vary by borrower profile and market conditions.

Question 4

What income documents do I need?

Accepted Answer

Two years of ITIN tax returns is standard. Some lenders also accept 12–24 months of bank statements for self-employed borrowers.

Question 5

Can I buy a home in Monte Sereno with an ITIN loan?

Accepted Answer

Yes, if you meet the lender's credit, income, and down payment requirements. Non-QM lenders set their own loan limits.

Question 6

Does SRK CAPITAL work with ITIN borrowers in Santa Clara County?

Accepted Answer

Yes. We have wholesale lender relationships that specifically underwrite ITIN loans in high-cost California markets like Santa Clara County.

ITIN Loans in Monte Sereno, CA