Question 1

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

Accepted Answer

Yes. ITIN loans are designed for borrowers without a Social Security number. You need a valid ITIN, documented income, and a down payment.

Question 2

How much do I need to put down?

Accepted Answer

Most ITIN programs require 10–20% down. A larger down payment can offset a lower credit score with some lenders.

Question 3

Do I need to be a U.S. citizen to qualify?

Accepted Answer

No. ITIN loans serve non-citizen residents who pay U.S. taxes. Citizenship is not a requirement for this loan type.

Question 4

What documents do lenders ask for?

Accepted Answer

Expect two years of tax returns, proof of your ITIN, bank statements, and employment or income verification.

Question 5

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes, typically. Non-QM loans carry higher rates than conventional products. Rates vary by borrower profile and market conditions.

Question 6

Can self-employed borrowers in Exeter use ITIN loans?

Accepted Answer

Yes. Some lenders accept 12–24 months of bank statements in place of tax returns for self-employed ITIN borrowers.

ITIN Loans in Exeter, CA — No SSN Required