Question 1

Can I get a home loan in Shasta Lake without a Social Security number?

Accepted Answer

Yes. ITIN loans are built for exactly this situation. You need a valid ITIN and a documented tax filing history.

Question 2

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

Accepted Answer

Most ITIN programs require 15–20% down. A larger down payment can improve your rate and approval odds.

Question 3

Will my immigration status affect my ITIN loan approval?

Accepted Answer

ITIN lenders don't evaluate immigration status. What matters is your tax history, income, and down payment.

Question 4

What if my ITIN has expired?

Accepted Answer

An expired ITIN will stop your file cold. Renew it through the IRS before you apply — this process takes time.

Question 5

Can a self-employed borrower use an ITIN loan in Shasta Lake?

Accepted Answer

Yes. Some lenders accept bank statements in place of tax returns for self-employed ITIN borrowers.

Question 6

How does an ITIN loan differ from a Foreign National loan?

Accepted Answer

ITIN loans are for U.S.-based tax filers. Foreign National loans are for non-residents without U.S. tax history.

ITIN Home Loans in Shasta Lake, CA