Question 1

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

Accepted Answer

Yes. You don't need a Social Security number or U.S. citizenship. A valid ITIN, filed tax returns, and a sufficient down payment are the core requirements.

Question 2

What down payment do ITIN loans require?

Accepted Answer

Expect 15-20% minimum. Some lenders require more depending on your credit profile and property type. Rates vary by borrower profile and market conditions.

Question 3

Will rural Siskiyou County properties qualify?

Accepted Answer

Many will, but lenders review each property. Purely agricultural land or remote parcels may not qualify under standard ITIN loan guidelines.

Question 4

How many years of taxes do I need?

Accepted Answer

Most ITIN lenders want 12-24 months of returns filed under your ITIN. Consistent income across those years strengthens your approval odds significantly.

Question 5

Are ITIN loan rates higher than conventional rates?

Accepted Answer

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

Question 6

Does SRK CAPITAL work with ITIN borrowers in rural California?

Accepted Answer

Yes. We have access to non-QM lenders who lend in rural Northern California. We match your file to the lenders most likely to approve it.

ITIN Home Loans in Dorris, CA