Question 1

Can I buy a home in Mountain View with just an ITIN?

Accepted Answer

Yes. ITIN loans are designed for this. You don't need an SSN — just a valid ITIN and qualifying income and credit.

Question 2

What credit score do I need for an ITIN loan?

Accepted Answer

Most lenders want 620–660 minimum. Higher scores improve your rate. Rates vary by borrower profile and market conditions.

Question 3

How much do I need to put down?

Accepted Answer

Expect 15–20% down minimum. Some lenders require more depending on credit score and loan amount.

Question 4

Do ITIN loans have higher interest rates?

Accepted Answer

Yes, typically higher than conventional loans. They're non-QM products. Rates vary by borrower profile and market conditions.

Question 5

Can I use rental income to qualify?

Accepted Answer

Some lenders allow it. You'll need documented rental history. Not every ITIN lender accepts rental income — ask up front.

Question 6

Is an ITIN loan the same as a Community Mortgage?

Accepted Answer

No. Community Mortgages are a separate program with different guidelines. Both may work for ITIN borrowers — the right fit depends on your profile.

ITIN Loans in Mountain View, CA