ITIN Loans

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Yes, we do ITIN loans. If you are looking for an ITIN loan in California, we can help. We can help you with ITIN purchase loans and also ITIN refinance loans and ITIN cash out refinances.

ITIN (Individual Tax Identification Number) loans are for those borrowers that don't have a social security number, but instead have an ITIN number. While it can be difficult to find a lender that can help with ITIN loans, if you are reading this page then you have finally found the right place.

ITIN loans are conventional fixed rate loans. ITIN loans offer terms of 30 year, 20 year and 15 year loans. While 20% is the minimum down payment required, putting a larger down payment can help to lower the interest rate of the loan. The interest rates for ITIN loans are higher than conforming loan interest rates. Contact our senior loan officer by filling out the form below to get more information regarding ITIN loans and current interest rates.

ITIN loans can be used to purchase single family homes as well as condos or townhomes. The purchase of a condo or townhome using an ITIN loan will require a 25% down payment, a single family home requires a 20% down payment. Our services cover the state of California, so if you are buying a home in California, or need to refinance in California, please contact us using the form on this page and our senior loan officer will respond shortly.

Documentation needed to obtain an ITIN loan can be found towards the bottom of this page. We will also run a credit report for the borrower, using the borrower's ITIN number. The borrower can also deposit cash into their bank account to use for their down payment and closing costs.

Below is a list of documentation needed for ITIN loans.

  • One year of tax returns, all pages. Borrower's ITIN number must be on tax returns.
  • Thirty days paystubs (if not self-employed).
  • Last two months bank statements.
  • Copy of drivers license, ID or passport.
  • Copy of ITIN documentation or ITIN card.
  • A minimum of 20% down payment is required for ITIN loans.

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