Question 1

Can I buy a home in Fort Jones with just an ITIN?

Accepted Answer

Yes. ITIN loans are designed for exactly this situation. You'll need your ITIN, two years of tax returns, and a qualifying down payment.

Question 2

Do I need a Social Security number to apply?

Accepted Answer

No. ITIN loans replace the SSN requirement. Your IRS-issued ITIN serves as your tax identification for the loan file.

Question 3

What credit score do ITIN lenders require?

Accepted Answer

Most lenders start at 620, but some accept alternative credit history. Requirements differ — that's why shopping multiple lenders matters.

Question 4

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

Accepted Answer

Expect 15–20% minimum. Some lenders require more for borrowers with limited U.S. credit history. Rates vary by borrower profile and market conditions.

Question 5

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes. Non-QM programs like ITIN loans carry a rate premium over conventional products. Rates vary by borrower profile and market conditions.

Question 6

Can a self-employed ITIN borrower qualify in Fort Jones?

Accepted Answer

Yes, but it's more complex. Bank Statement loans combined with ITIN status are the most common path for self-employed borrowers.

ITIN Home Loans in Fort Jones, CA