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Biggs is a small agricultural community in Butte County. Many residents here work in farming and seasonal industries — often without a Social Security number.
ITIN loans exist for exactly this borrower. If you file taxes with an Individual Taxpayer Identification Number, you can still qualify for a home loan.
Varies by lender
Min Credit Score
No — ITIN accepted
SSN Required?
10–20% typical
Down Payment
2 years minimum
Tax History Needed
Non-QM
Loan Type
ITIN Loans in Biggs
You need a valid ITIN and a history of filing U.S. taxes. Lenders want to see you've been paying taxes consistently — usually two years minimum.
Credit requirements vary by lender. Some accept alternative credit like utility payments and rent history if you don't have a traditional credit score.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Biggs.
Biggs is a small agricultural community in Butte County. Many residents here work in farming and seasonal industries — often without a Social Security number.
ITIN loans exist for exactly this borrower. If you file taxes with an Individual Taxpayer Identification Number, you can still qualify for a home loan.
You need a valid ITIN and a history of filing U.S. taxes. Lenders want to see you've been paying taxes consistently — usually two years minimum.
Most big banks won't touch ITIN loans. This product lives in the non-QM (non-traditional) lending space — specialty lenders only.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several of them specifically underwrite ITIN borrowers with strong guidelines for California buyers.
The biggest mistake ITIN borrowers make is waiting. Your tax history is your qualification — every year you file, your loan profile gets stronger.
Documentation is everything on these files. Get your last two years of tax returns, your ITIN letter from the IRS, and 12 months of bank statements ready before you apply.
Foreign National loans are the closest alternative, but they're designed for non-residents. ITIN loans are for people who live and work here and pay U.S. taxes.
Bank Statement loans are another option if your income is hard to document. Some ITIN borrowers qualify for both — we'll show you which one fits your situation.
Butte County home prices are more accessible than coastal California. That matters for ITIN borrowers — lower purchase prices mean lower down payments in real dollars.
Biggs has a tight-knit community with deep roots in agriculture. Many buyers here are first-generation homeowners. ITIN loans are one of the few paths to ownership for this group.
Yes. ITIN loans are specifically built for this. You need a valid ITIN and a history of filing U.S. taxes.
Most lenders want two years of ITIN tax returns. Consistent filing history is the core of your qualification.
Some lenders accept alternative credit — rent payments, utilities, phone bills. Not every lender does, but several in our network do.
Expect 10–20% down depending on the lender and your profile. Rates vary by borrower profile and market conditions.
No. Foreign National loans are for non-residents. ITIN loans are for people living and working in the U.S. who file taxes here.
Most retail banks don't offer ITIN loans. This product is only available through non-QM specialty lenders — which is where brokers like us have access.