Question 1

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

Accepted Answer

Yes. An ITIN plus two years of tax filings is the starting point. You'll also need income documentation and a down payment.

Question 2

Do ITIN loans have higher interest rates?

Accepted Answer

They typically run higher than conventional loans. Rates vary by borrower profile and market conditions — we shop multiple lenders to find the best available.

Question 3

What if I don't have a U.S. credit score?

Accepted Answer

Some lenders accept alternative credit like 12 months of on-time rent or utility payments. No traditional credit score is not an automatic disqualifier.

Question 4

How much down payment do I need?

Accepted Answer

Most ITIN programs require 10–20% down. The exact amount depends on the lender and your overall borrower profile.

Question 5

Can self-employed borrowers qualify for an ITIN loan in Vallejo?

Accepted Answer

Yes. Self-employed ITIN borrowers often qualify using 12–24 months of bank statements. A CPA letter may also support your application.

Question 6

Is an ITIN loan considered a non-QM mortgage?

Accepted Answer

It is. Non-QM means it falls outside standard Fannie Mae and Freddie Mac guidelines. Wholesale lenders, not retail banks, are where these loans are funded.

ITIN Loans in Vallejo, CA — No SSN Required