If you file taxes with an ITIN, you can buy a home. Real programs, real approvals - for families across the East Bay.
Federal consumer protection law is clear: lenders can lend to ITIN holders, and real programs exist. ITIN loans typically require a larger down payment (often higher than standard programs), proof of tax filings with your ITIN, and steady income history - and they turn renters into owners every month. Many of my East Bay clients are first-generation buyers using exactly this path, sometimes combining household incomes to qualify.
En espanol: Si usted declara impuestos con un numero ITIN, si puede comprar casa. Los programas son reales y las aprobaciones son reales. Mi equipo habla espanol - mandeme un mensaje de texto y con gusto le explicamos el proceso paso a paso, sin compromiso.
Typically: 2 years of tax returns filed with your ITIN, 12-24 months of steady income documentation, the down payment (gifts from family often allowed), and photo ID. Credit can be traditional or built from alternative history like rent and utilities. Book a free consult - or text me in English o en espanol.
Every real program serving Contra Costa County - CalHFA, WISH, AHOP, Smart Start and more - and how they stack.
First-time buyer grant program toward your down payment for buyers under county income limits.
15% down with no monthly mortgage insurance for qualifying buyers.