Question 1

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

Accepted Answer

Yes. ITIN loans are designed for this. You need your ITIN, two years of tax returns, and sufficient down payment.

Question 2

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

Accepted Answer

Most programs require 15–20% down. Some lenders go lower with strong compensating factors like reserves or long job history.

Question 3

Do ITIN loan rates differ from conventional rates?

Accepted Answer

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

Question 4

What income documents do ITIN lenders accept?

Accepted Answer

Two years of ITIN-filed tax returns is the standard. Some lenders also accept bank statements for self-employed borrowers.

Question 5

Can I buy an investment property with an ITIN loan in Fairfield?

Accepted Answer

Some lenders allow it. Most ITIN programs prioritize primary residences, but investment property options exist through specialty lenders.

Question 6

Does having no U.S. credit history disqualify me?

Accepted Answer

Not always. Many ITIN lenders accept alternative credit — on-time rent, utility payments, or foreign credit history.

ITIN Loans in Fairfield, CA — Buy Without a SSN