Question 1

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

Accepted Answer

Yes. ITIN loans are built for exactly this situation. You need your ITIN, tax history, and a down payment — not a Social Security number.

Question 2

How much do I need for a down payment?

Accepted Answer

Most ITIN lenders require 10–20% down. A larger down payment improves your rate and approval odds.

Question 3

Do I need a credit score to qualify?

Accepted Answer

Not always. Some lenders accept alternative credit like rent or utility history. A thin credit file isn't automatically disqualifying.

Question 4

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes, typically. ITIN is a non-QM product so rates run higher. Rates vary by borrower profile and market conditions.

Question 5

Does seasonal farm income count for ITIN loan qualification?

Accepted Answer

It can. The right lender understands agricultural income cycles. Two years of tax returns showing that income is your foundation.

Question 6

Can I use an ITIN loan to buy a duplex or rental property?

Accepted Answer

Some ITIN lenders allow investment property purchases. Terms differ from owner-occupied. Ask us which lenders allow this.

ITIN Loans in Visalia — Buy a Home Without a Social Security Number