Question 1

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

Accepted Answer

Yes. ITIN loans are designed for exactly this. You don't need a Social Security number to qualify.

Question 2

How much do I need for a down payment?

Accepted Answer

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

Question 3

Do I need a US credit score to qualify?

Accepted Answer

Not always. Some lenders accept alternative credit like rent and utility payment history in place of a FICO score.

Question 4

What documents do ITIN lenders require?

Accepted Answer

Expect two years of tax returns filed with your ITIN, 12 months of bank statements, and proof of your valid ITIN number.

Question 5

Are ITIN loan rates higher than conventional rates?

Accepted Answer

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

Question 6

Can I refinance later if I get a Social Security number?

Accepted Answer

Yes. If you become eligible for an SSN, refinancing into a conventional loan is often a smart next move.

ITIN Home Loans in Oxnard, CA