Question 1

Can I buy a home in Saratoga with just an ITIN?

Accepted Answer

Yes. Non-QM lenders accept an ITIN in place of a Social Security number. You'll need tax returns, credit history, and a solid down payment.

Question 2

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

Accepted Answer

Most lenders require 15-20% down. Larger down payments reduce your rate and improve approval odds.

Question 3

Do I need a U.S. credit score for an ITIN loan?

Accepted Answer

Most lenders require one. Some accept foreign credit history as a substitute. Start building U.S. credit early if you don't have it.

Question 4

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes. ITIN loans are non-QM products and carry a rate premium. Rates vary by borrower profile and market conditions.

Question 5

Can I use an ITIN loan to buy a high-value home in Saratoga?

Accepted Answer

Yes, but ITIN jumbo loans have fewer lenders. Expect tighter requirements and more documentation for high-balance purchases.

Question 6

What if I'm self-employed with an ITIN?

Accepted Answer

Some lenders offer bank statement ITIN loans for self-employed borrowers. This skips tax return income calculations entirely.

ITIN Loans in Saratoga, CA — Buy Without a SSN