Can I Buy A House With Itin Number In California May 2026

In California, property ownership is open to anyone regardless of citizenship or residency status. If you do not have a Social Security Number (SSN), the IRS issues an ITIN to allow you to file taxes and, by extension, apply for specialized "ITIN mortgages". These loans are specifically designed for non-citizens, undocumented individuals, and foreign investors who have stable U.S. income.

Lenders often accept "alternative credit," such as 12 months of on-time rent, utility, and insurance payments, instead of a traditional FICO score. can i buy a house with itin number in california

Typically ranges from 10% to 20% , though some specialized programs may offer as low as 3.5% for highly qualified borrowers. In California, property ownership is open to anyone

Preparation is key, as ITIN loans require more extensive paperwork: ITIN Loans 2025: Guide to Buying Your First Home income