Question 1

Can I buy a home in San Jose with just an ITIN?

Accepted Answer

Yes. ITIN loans are built for this. You don't need an SSN to qualify, but you do need a valid ITIN and U.S. tax history.

Question 2

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

Accepted Answer

No. ITIN loans are specifically designed for non-citizens. Citizenship status is not a qualifying factor.

Question 3

How much do I need to put down for an ITIN loan?

Accepted Answer

Most lenders require 10–20% down. The exact amount depends on the lender and your overall borrower profile.

Question 4

Will ITIN loan rates be higher than conventional rates?

Accepted Answer

Yes, typically. ITIN loans are non-QM products and carry higher rates than conventional loans. Rates vary by borrower profile and market conditions.

Question 5

What documents do I need to apply for an ITIN loan in San Jose?

Accepted Answer

Bring your ITIN, two years of U.S. tax returns, and 12–24 months of bank statements. Additional docs may apply depending on the lender.

Question 6

Can a self-employed borrower use an ITIN loan?

Accepted Answer

Yes. Self-employed ITIN borrowers are common. Bank statements can be used alongside tax returns to document income.

ITIN Loans in San Jose — Buy Without a Social Security Number