Most lenders prefer your total monthly debt payments to not exceed 43% to 50% of your gross monthly income. Required Documentation

Lenders often accept "alternative credit," such as 12 months of on-time rent, utility, and insurance payments, instead of a traditional FICO score.

You should expect rates roughly 1% to 2% higher than standard conventional loans.

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.