Question 1

Can I buy a home in Santa Rosa without a Social Security number?

Accepted Answer

Yes. ITIN loans are built for this. You need a valid ITIN and a history of filing U.S. taxes.

Question 2

How many years of tax returns do ITIN lenders want?

Accepted Answer

Most lenders require 12 to 24 months of returns filed under your ITIN. Two years is the safest target.

Question 3

What down payment do I need for an ITIN loan?

Accepted Answer

Expect 10 to 20 percent down. Some lenders require more depending on your credit profile and loan size.

Question 4

Are ITIN loan rates higher than conventional rates?

Accepted Answer

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

Question 5

Can I use rental history to qualify if I have no credit score?

Accepted Answer

Some ITIN lenders accept alternative credit — rent, utilities, insurance payments. Not all do. Ask your broker upfront.

Question 6

Do I need to be a U.S. citizen to get an ITIN loan in California?

Accepted Answer

No. U.S. citizenship is not required. ITIN loans are designed for non-citizens who pay taxes in the U.S.

ITIN Home Loans in Santa Rosa, CA