Question 1

Can I buy a home in Santa Paula with just an ITIN?

Accepted Answer

Yes. Non-QM lenders accept ITINs in place of Social Security numbers. You still need income documentation and a down payment.

Question 2

How much do I need to put down on an ITIN loan?

Accepted Answer

Most ITIN programs require 10-20% down. A larger down payment often improves your rate and approval chances.

Question 3

Are ITIN loan rates higher than conventional rates?

Accepted Answer

Yes. ITIN loans are non-QM products and carry higher rates. Rates vary by borrower profile and market conditions.

Question 4

What income documents do ITIN borrowers need?

Accepted Answer

Two years of tax returns filed under your ITIN is the baseline. Self-employed borrowers may also need 12-24 months of bank statements.

Question 5

Can my spouse co-borrow if they also have an ITIN?

Accepted Answer

Yes. Both borrowers can hold ITINs. A stronger combined profile can improve your loan terms.

Question 6

Do I need to be a U.S. citizen to get an ITIN loan in Santa Paula?

Accepted Answer

No. ITIN loans do not require citizenship or permanent residency. They are designed for residents who pay U.S. taxes.

ITIN Home Loans in Santa Paula, CA