Question 1

Can I get an ITIN loan in Rio Vista without a Social Security number?

Accepted Answer

Yes. ITIN loans are specifically designed for that situation. You need a valid ITIN and at least 12 months of U.S. tax filings.

Question 2

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

Accepted Answer

Most ITIN programs require 15-25% down. Rates vary by borrower profile and market conditions.

Question 3

Do ITIN lenders check U.S. credit scores?

Accepted Answer

They try to. If you have no U.S. credit history, some lenders accept alternative references like utility or rent payment records.

Question 4

Can a self-employed borrower use an ITIN loan?

Accepted Answer

Yes, and it's common. Some lenders will use 12-24 months of bank statements instead of tax returns to verify income.

Question 5

Are ITIN loans available for properties in rural areas like Rio Vista?

Accepted Answer

Yes. Property type and location matter less than the borrower's ITIN documentation and down payment. Rio Vista qualifies with most lenders.

Question 6

How is an ITIN loan different from a conventional loan?

Accepted Answer

ITIN loans are non-QM — they follow lender-set guidelines, not Fannie Mae or Freddie Mac rules. Rates and requirements differ.

ITIN Loans in Rio Vista, CA — No SSN Required