Question 1

Can I buy a home in Rohnert Park with just an ITIN?

Accepted Answer

Yes. You don't need a Social Security number. Lenders use your ITIN plus tax returns, bank statements, and credit history to qualify you.

Question 2

Do I need U.S. credit to get an ITIN loan?

Accepted Answer

Not always. Some lenders accept foreign credit references. Others will build a credit profile from rental and utility payment history.

Question 3

How much do I need to put down?

Accepted Answer

Most ITIN lenders require 15-20% down. Stronger files with longer credit history may qualify for the lower end of that range.

Question 4

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes. Expect a rate premium over conventional loans. Rates vary by borrower profile and market conditions, so shop across lenders.

Question 5

What documents do ITIN lenders typically require?

Accepted Answer

Plan on two years of tax returns, 12 months of bank statements, a valid ITIN letter, and proof of employment or self-employment income.

Question 6

Can I get an ITIN loan if I'm self-employed?

Accepted Answer

Yes. Self-employed ITIN borrowers often qualify using tax returns or bank statements. We compare both to find the strongest path.

ITIN Loans in Rohnert Park, CA