Question 1

Can I buy a home in Yuba City with just an ITIN?

Accepted Answer

Yes. ITIN loans are designed for exactly this. You don't need a Social Security number to qualify.

Question 2

What income documents do ITIN lenders want?

Accepted Answer

Most want two years of tax returns filed with your ITIN. Bank statements can supplement or replace returns in some programs.

Question 3

How much do I need to put down?

Accepted Answer

Expect 10-20% down on most ITIN loans. Some programs allow 10% with strong income and credit history.

Question 4

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes, typically. ITIN loans are non-QM products and carry a rate premium. Rates vary by borrower profile and market conditions.

Question 5

Does my immigration status affect approval?

Accepted Answer

Lenders focus on income, credit, and your ITIN — not immigration status. ITIN loans are legal and widely used.

Question 6

Can I use foreign credit history for an ITIN loan?

Accepted Answer

Some lenders accept foreign credit references. Not all do — this varies by lender, which is why shopping programs matters.

ITIN Home Loans in Yuba City, CA