Question 1

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

Accepted Answer

Yes. ITIN loans are designed for exactly that. You'll need tax returns, a down payment, and verifiable income.

Question 2

Do I need a Social Security number to apply?

Accepted Answer

No. Your ITIN replaces the SSN in the application. Lenders use it to verify your tax filing history instead.

Question 3

What down payment do ITIN loans require?

Accepted Answer

Most lenders ask for 15–20% down. Some require more depending on your credit profile and loan amount.

Question 4

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes. ITIN loans are non-QM products. Rates are higher to reflect the additional risk. Rates vary by borrower profile and market conditions.

Question 5

How many years of tax returns do I need?

Accepted Answer

Two years is standard. Lenders want to see consistent ITIN filing before approving a mortgage.

Question 6

Can SRK CAPITAL shop multiple lenders for my ITIN loan?

Accepted Answer

Yes. We have access to 200+ wholesale lenders. Several specialize in ITIN loans for California borrowers.

ITIN Home Loans in Camarillo, CA