While an FHA loan likes to see a FICO credit score of 580+, preferring credit scores in the range of 620-640, ITIN loans do not go quite so low. 640 is the preferred minimum, with the occasional lender being willing to go as low as a FICO score of 600. However, top-tier clients have a 720+ FICO score, and they get the lowest interest rates and the lowest downpayment requirements.
However, if you are seeking an ITIN home loan and have not yet established credit, an ITIN loan is still possible. The only thing is, your interest rate will be high -- around 7% -- and you will need to put down 25% of the total value as a downpayment.