Question 1

Can I buy a home in Corning 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

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

Accepted Answer

No. ITIN loans are for residents without SSNs, regardless of citizenship status. You must reside in the US.

Question 3

What down payment do ITIN loans require?

Accepted Answer

Most ITIN programs require 10–20% down. Rates vary by borrower profile and market conditions.

Question 4

What if my income is seasonal from farm work?

Accepted Answer

Some lenders accept seasonal income with two years of tax history showing it. Document everything carefully.

Question 5

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes, typically. These are non-QM loans and carry more lender risk. Rates vary by borrower profile and market conditions.

Question 6

Can I use an ITIN loan to buy in a rural area like Tehama County?

Accepted Answer

Yes. Property location doesn't disqualify you. Rural properties may have separate appraisal considerations.

ITIN Home Loans in Corning, CA