Question 1

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

Accepted Answer

Yes. ITIN loans don't require a Social Security number. You need tax returns, a credit profile, and a down payment.

Question 2

How many years of tax returns do I need?

Accepted Answer

Most lenders want 12-24 months of ITIN-filed returns. Consistent income across those years matters most.

Question 3

What credit score do ITIN lenders want?

Accepted Answer

Most programs start at 620. A larger down payment can sometimes offset a lower score — it depends on the lender.

Question 4

Do ITIN loans have higher rates than conventional loans?

Accepted Answer

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

Question 5

What if I'm self-employed in the wine or agriculture industry?

Accepted Answer

That's a common profile for ITIN borrowers in Sonoma County. Lenders look at net income from your tax returns.

Question 6

Can I use rental income or a co-borrower to qualify?

Accepted Answer

Some lenders allow co-borrowers, including those with SSNs. Rental income may count if it's documented on your returns.

ITIN Home Loans in Windsor, CA