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Orange Cove sits in Fresno County where the median household income is $71,434. That income supports homes in the $350,000 to $450,000 range comfortably. ITIN loans open that door for self-employed workers and immigrants without SSNs.
The county's restaurant scene is booming — 17 new establishments in development right now. That kind of growth signals stable neighborhoods and rising property values. ITIN buyers here are building real equity in a market that's moving.
620–640
Typical FICO Floor
10% to 20%
Down Payment Range
45–60 days
Closing Timeline
2 years tax returns
Documentation Required
ITIN Loans in Orange Cove
ITIN loans require a valid Individual Taxpayer Identification Number and two years of tax returns showing consistent income. Credit score floors typically run 620 to 640 — lower than conventional but higher than FHA.
Fresno County's $71,434 median household income means a typical buyer here qualifies for loans in the $280,000 to $380,000 range. Self-employed applicants need solid tax documentation.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Orange Cove.
Orange Cove sits in Fresno County where the median household income is $71,434. That income supports homes in the $350,000 to $450,000 range comfortably. ITIN loans open that door for self-employed workers and immigrants without SSNs.
The county's restaurant scene is booming — 17 new establishments in development right now. That kind of growth signals stable neighborhoods and rising property values. ITIN buyers here are building real equity in a market that's moving.
ITIN loans require a valid Individual Taxpayer Identification Number and two years of tax returns showing consistent income. Credit score floors typically run 620 to 640 — lower than conventional but higher than FHA.
ITIN lending in California is a specialized market. Most mainstream lenders don't offer it, so brokers who work with ITIN borrowers partner with portfolio lenders and community banks that hold loans in-house.
Closing timelines run 45 to 60 days for ITIN loans. Underwriting is thorough because the lender can't pull a traditional credit report. You'll need clean tax returns, bank statements, and proof of income.
ITIN loans make sense in Orange Cove for self-employed workers and immigrants who've built solid income but lack a Social Security Number.
The trade-off is speed and simplicity. ITIN underwriting takes longer and requires more documentation than a conventional loan. But for borrowers who can't qualify any other way, that extra work is worth it.
Conventional loans require a Social Security Number and traditional credit history. ITIN loans skip both. If you have an ITIN and two years of tax returns, ITIN is your only path. Conventional won't work, period.
FHA loans also require an SSN and credit bureau access. ITIN loans don't. The tradeoff: ITIN takes longer to underwrite and requires more documentation. But it's the only option for borrowers without a Social Security Number who want to buy in Orange Cove.
Fresno's Tower District Porchfest draws 400+ performances across 100+ porch venues every year. That's the kind of neighborhood investment and community energy that supports home values.
Fresno State's 52nd annual Vintage Days brings food, crafts, and live concerts to campus. These aren't one-off events — they're annual traditions that signal a stable, engaged community. Homebuyers here are investing in neighborhoods with real social fabric.
No. An ITIN (Individual Taxpayer Identification Number) is the entire point. You need a valid ITIN and two years of tax returns. Social Security Number is not required.
Most ITIN lenders want 620 to 640 FICO. Some go lower with compensating factors like larger down payment or longer employment history. Call for your specific lender's floor.
ITIN loans typically start at 10% down. You can go up to 20% or more. The more you put down, the easier the underwriting and the better your rate.
Plan on 45 to 60 days. ITIN underwriting is thorough because the lender uses tax returns instead of credit bureaus. The extra time is worth it for a solid approval.
Yes. Self-employed income works great for ITIN loans. You need two years of business tax returns showing consistent or growing income. W-2 income works too.