Question 1

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

Accepted Answer

Yes. ITIN loans are designed for exactly this situation. You need tax returns, a down payment, and a credit history — not an SSN.

Question 2

How much do I need for a down payment?

Accepted Answer

Most ITIN lenders require 15-20% down. A larger down payment or strong reserves can improve your terms.

Question 3

Do I need a US credit score to qualify?

Accepted Answer

Not always. Some lenders accept foreign credit bureau reports if your US credit history is limited or nonexistent.

Question 4

Are ITIN loan rates higher than conventional rates?

Accepted Answer

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

Question 5

How many years of taxes do I need?

Accepted Answer

Most lenders want two years of filed returns under your ITIN. Consistent filings matter more than the income amount shown.

Question 6

Can I use an ITIN loan to buy a rental property in Dixon?

Accepted Answer

Some ITIN programs allow investment properties. Down payment requirements and rate adjustments are higher than for a primary residence.

ITIN Loans in Dixon, CA — No SSN Required