Question 1

Can I get an ITIN loan without a Green Card?

Accepted Answer

Yes. ITIN loans don't require permanent residency. You need a valid ITIN and U.S. tax filing history.

Question 2

How much do I need to put down in Lindsay?

Accepted Answer

Most ITIN lenders require 10-20% down. Lindsay's lower prices make that easier to reach than in coastal markets.

Question 3

Do lenders accept seasonal farm income?

Accepted Answer

Some do. Bank statements and consistent tax filings help document seasonal income for Tulare County ag workers.

Question 4

Is an ITIN loan more expensive than a regular mortgage?

Accepted Answer

Yes, rates are higher than conventional loans. ITIN is a non-QM product. Rates vary by borrower profile and market conditions.

Question 5

Can I buy a multi-unit property with an ITIN loan?

Accepted Answer

Some lenders allow it. Two- to four-unit properties are possible, but terms vary by lender and your down payment size.

Question 6

What if I have no U.S. credit history?

Accepted Answer

Some ITIN lenders accept alternative credit — rent, utilities, remittance records. Ask us which lenders take that approach.

ITIN Home Loans in Lindsay, CA