The process: 1) confirm ITIN + filings → 2) build/gather credit → 3) pre-approval → 4) find your home → 5) full application → 6) appraisal & underwriting → 7) clear conditions → 8) close. See Requirements.
On this page
The 8 steps to your keys
Confirm your ITIN & tax filings
Valid ITIN card/IRS letter + 2 years of returns. Need an ITIN? File Form W-7 (we can refer a CAA).
Build or gather your credit
FICO if you have one, or alternative credit — 12 months across 3–4 lines. How to Qualify →
Get pre-approved
Income docs, ID, proof of funds. No hard credit pull to start; get your price & down payment.
Find your home
Shop within your pre-approval — it makes your offer credible to sellers.
Submit the full application
With a contract in hand, we shop your file across competing ITIN investors.
Appraisal & underwriting
Appraisal ordered; underwriting reviews income, credit/alt-credit, down & reserves.
Clear conditions
Provide final items (statements, letters) to reach clear-to-close.
Close & get the keys
Sign, fund down + costs, record. Well-prepped files close in ~25 days.
What's needed at each stage
| Stage | What you provide / expect |
|---|---|
| ITIN & filings | ITIN card/IRS letter, 2 years returns |
| Credit | FICO or 12-mo alternative-credit file |
| Pre-approval | Income docs, photo ID, proof of funds |
| House hunting | Pre-approval letter for offers |
| Application | Purchase contract |
| Underwriting | Appraisal, condition responses |
| Clear-to-close | Final statements / letters |
| Closing | Signed docs, down payment + costs |
Reviewed by the licensing team at Save Financial, a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766) founded in 2009 and serving all 58 counties from offices in Newport Beach and Marina del Rey. Save Financial does not provide legal or immigration advice.