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Angels Camp sits in the Sierra Nevada foothills — a tight-knit community where homeownership matters. Many residents here file taxes with an ITIN instead of a Social Security number.
ITIN loans are non-QM products. That means they don't follow standard government guidelines — but they do give hardworking taxpayers a real path to buying.
620 (typical)
Min Credit Score
15–25% typical
Down Payment
2 years
Tax Returns Required
Non-QM
Loan Type
ITIN Loans in Angels Camp
Lenders want to see your ITIN and proof you've filed U.S. taxes. Two years of returns is the standard ask.
Credit requirements vary by lender. Most want a 620 score minimum. Some will go lower with strong reserves or a larger down payment.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Angels Camp.
Angels Camp sits in the Sierra Nevada foothills — a tight-knit community where homeownership matters. Many residents here file taxes with an ITIN instead of a Social Security number.
ITIN loans are non-QM products. That means they don't follow standard government guidelines — but they do give hardworking taxpayers a real path to buying.
Lenders want to see your ITIN and proof you've filed U.S. taxes. Two years of returns is the standard ask.
Most big banks won't touch ITIN loans. These come from wholesale lenders — the kind a broker accesses, not a bank branch.
At SRK CAPITAL, we shop ITIN products across 200+ wholesale lenders. Terms vary widely. Rates vary by borrower profile and market conditions.
The biggest mistake I see: borrowers waiting too long because they assumed homeownership wasn't an option. Your ITIN is enough to get started.
Down payment is your strongest lever on these loans. Put down 20-25% and your approval odds improve significantly — and rates often improve with it.
Foreign National loans are an alternative — but those are for buyers without U.S. tax history. If you've been filing with your ITIN, you're better positioned for an ITIN loan.
Bank Statement loans are another option if you're self-employed. They skip tax returns entirely. We often compare both side by side to see which fits your numbers.
Calaveras County is rural. Property appraisals can be trickier here — fewer comps mean more scrutiny from non-QM lenders.
That said, lower price points in Angels Camp compared to Bay Area markets can work in your favor. A 20% down payment is more reachable here.
Yes. You don't need a Social Security number. Lenders use your ITIN, tax returns, and credit history to evaluate you.
Most ITIN lenders require 15-25% down. More down usually means better rates and easier approval.
Yes — most lenders want a 620 or higher. Some will work with less if reserves and income are strong.
Typically yes. Non-QM products carry higher rates. Rates vary by borrower profile and market conditions.
Yes, but rural appraisals can be harder to clear with non-QM lenders. Work with a broker who knows rural deals.