Question 1

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

Accepted Answer

Yes. A valid ITIN replaces the SSN on your application. You still need income documentation and a down payment.

Question 2

How much do I need to put down?

Accepted Answer

Most ITIN lenders require 15-25% down. Exact requirements depend on your credit profile and the lender.

Question 3

Will my foreign credit history count?

Accepted Answer

Some lenders accept foreign credit references. It depends on the lender — this is where broker access helps.

Question 4

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes, typically. Non-QM loans carry more lender risk. Rates vary by borrower profile and market conditions.

Question 5

Can I buy a cabin or rural property with an ITIN loan?

Accepted Answer

Potentially yes, but rural properties face tighter appraisal scrutiny. Lender appetite for rural ITIN files varies.

ITIN Home Loans in Dunsmuir, CA