: If you don't have a standard credit score, lenders may look at "alternative credit," such as proof of timely payments for rent, utilities, or phone bills. Steps to Buy a House with an ITIN

: Expect to put down a larger deposit than a standard FHA loan. Most ITIN loans require a down payment of 15% to 20% , though some programs may vary.

: In addition to the down payment, remember to budget for closing costs, which typically range from 2% to 5% of the home's purchase price. Key Considerations

: This helps you understand your budget and shows sellers that you are a serious buyer.

: You must demonstrate a consistent work history (usually two years) using tax returns filed with your ITIN.

: Collect at least two years of ITIN tax returns, recent pay stubs, and bank statements.

: You will likely need to work with private lenders, credit unions, or mortgage companies that specialize in non-traditional loans, as major banks may have stricter SSN requirements.

: Check if the loan has a fixed rate or an Adjustable-Rate Mortgage (ARM), as this will impact your long-term monthly payments.