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Paradise is rebuilding. After the 2018 Camp Fire, housing demand here is real and steady.
ITIN borrowers are part of that recovery. They work, pay taxes, and deserve a path to ownership.
Often 620+
Min Credit Score
No — ITIN accepted
SSN Required?
10–20% typical
Down Payment
12–24 months
Income Docs
Non-QM
Loan Type
ITIN Loans in Paradise
You need a valid ITIN issued by the IRS. That's your identifier in place of a Social Security number.
Most lenders want 12-24 months of bank statements or tax returns. Credit history from foreign accounts can sometimes count.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Paradise.
Paradise is rebuilding. After the 2018 Camp Fire, housing demand here is real and steady.
ITIN borrowers are part of that recovery. They work, pay taxes, and deserve a path to ownership.
You need a valid ITIN issued by the IRS. That's your identifier in place of a Social Security number.
Big banks don't do ITIN loans. This is wholesale territory — specialty non-QM lenders only.
SRK CAPITAL works with 200+ wholesale lenders. We know which ones have the best ITIN programs for Butte County buyers.
The biggest mistake ITIN borrowers make: waiting to build U.S. credit. Start now. Even a secured card helps.
Two years of consistent bank deposits tell a strong story. Lenders want pattern, not perfection.
Foreign National loans are for non-residents. ITIN loans are for people who live and work here full-time.
Bank Statement loans overlap with ITIN programs. Some lenders offer both in one product for self-employed ITIN holders.
Paradise home prices are lower than most of California. That helps ITIN borrowers stretch their down payment further.
Butte County is a rural area. Some lenders add overlays for rural properties. We know which ones don't.
Yes. A valid IRS-issued ITIN is enough to qualify. You don't need a Social Security number.
Most lenders start at 620. Some go lower with stronger income or larger down payments.
Yes, typically. Non-QM programs carry more risk for lenders. Rates vary by borrower profile and market conditions.
Some lenders accept foreign statements. It depends on the program. We know which wholesale lenders allow it.
Post-fire rebuilds can complicate appraisals. Lender overlays on rural Butte County properties vary widely.
Most ITIN programs require 10-20% down. Stronger credit or income documentation can sometimes lower that threshold.