Question 1

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

Accepted Answer

Yes. ITIN loans are designed for this. You don't need an SSN — just a valid ITIN and documented income.

Question 2

How much do I need to put down?

Accepted Answer

Most ITIN programs require 10–20% down. Higher down payments often get better rates. Rates vary by borrower profile and market conditions.

Question 3

Do I need to be a US citizen to qualify?

Accepted Answer

No. ITIN loans don't require citizenship. You must be a US resident with a valid ITIN and filed tax returns.

Question 4

What income documents do ITIN lenders want?

Accepted Answer

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

Question 5

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes, typically. Non-QM programs carry more lender risk. Rates vary by borrower profile and market conditions.

Question 6

Can I buy a wine country investment property with an ITIN?

Accepted Answer

Some lenders allow it. Investment property ITIN loans usually require more down and stronger reserves than primary residence loans.

ITIN Loans in Healdsburg, CA