Question 1

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

Accepted Answer

Yes. A valid ITIN, two years of tax returns, and a sufficient down payment can qualify you. No SSN required.

Question 2

Do ITIN loans have higher interest rates?

Accepted Answer

Yes, they run higher than conventional loans. Better credit and a larger down payment help reduce that gap. Rates vary by borrower profile and market conditions.

Question 3

What documents do I need for an ITIN loan?

Accepted Answer

Expect to provide your ITIN, two years of tax returns, bank statements, and proof of income. Requirements vary by lender.

Question 4

Can self-employed borrowers in Dinuba use ITIN loans?

Accepted Answer

Absolutely — self-employed is one of the most common borrower profiles for ITIN loans. Bank statements can substitute for tax returns with some lenders.

Question 5

How much do I need for a down payment?

Accepted Answer

Most ITIN programs require 10-20% down. More down can improve your rate and offset stricter lender guidelines.

Question 6

Is an ITIN loan the same as a Foreign National loan?

Accepted Answer

No. ITIN loans are for U.S. residents who pay taxes here. Foreign National loans are for non-residents — they require larger down payments and have stricter terms.

ITIN Home Loans in Dinuba, CA