Question 1

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

Accepted Answer

Yes. ITIN loans are designed for this. You'll need tax returns, a down payment, and some credit history.

Question 2

Do I need to be a US citizen to get an ITIN loan?

Accepted Answer

No. ITIN loans are available to non-citizens who file US taxes. Residency status requirements vary by lender.

Question 3

How much do I need to put down?

Accepted Answer

Most ITIN programs require 15-20% down. A stronger credit file can sometimes lower that requirement.

Question 4

Will my seasonal farm income count?

Accepted Answer

It can — if it's documented consistently across two years of tax returns. Gaps or sharp drops raise flags.

Question 5

What if I don't have a credit score?

Accepted Answer

Some lenders accept alternative credit like rent payments or utility history. Not all do — lender selection matters.

Question 6

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes, typically. Non-QM loans carry more risk for lenders. Rates vary by borrower profile and market conditions.

ITIN Loans in Turlock, CA — No SSN Required