Question 1

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

Accepted Answer

Yes. ITIN loans are built for exactly this situation. You need income documentation, a down payment, and a valid ITIN.

Question 2

Do I need a green card or visa to qualify?

Accepted Answer

No. ITIN loans don't require any immigration status. Lenders care about income and repayment ability, not citizenship.

Question 3

What documents do ITIN lenders typically require?

Accepted Answer

Expect 12-24 months of bank statements or tax returns, proof of your ITIN, and employment or self-employment records.

Question 4

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes, typically. Non-QM products carry more lender risk. Rates vary by borrower profile and market conditions.

Question 5

Can I use rental income to qualify for an ITIN loan?

Accepted Answer

Some lenders allow it. Documented rental income with a lease agreement often counts toward your qualifying income.

ITIN Home Loans in Fillmore, CA