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California City sits in the high desert of Kern County. It attracts buyers looking for affordable entry points into California homeownership.
Many residents here file taxes using an ITIN. That doesn't disqualify them from buying — it just means a different loan path.
Varies by lender
Min Credit Score
No — ITIN accepted
SSN Required?
10–20% typical
Down Payment
2 years minimum
Tax History Needed
Non-QM / Portfolio
Loan Type
ITIN Loans in California City
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 or rent history if you lack a traditional score.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in California City.
California City sits in the high desert of Kern County. It attracts buyers looking for affordable entry points into California homeownership.
Many residents here file taxes using an ITIN. That doesn't disqualify them from buying — it just means a different loan path.
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 banks won't touch ITIN loans. This is a non-QM product, meaning it lives in the wholesale and portfolio lender space.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in ITIN programs with competitive terms for Kern County buyers.
The biggest mistake I see: buyers wait years thinking they can't buy without an SSN. You can. You just need the right lender.
ITIN borrowers often have strong cash flow and stable tax history. Frame the file correctly and you have a solid approval story.
ITIN loans are non-QM. FHA and conventional loans require a Social Security number — so those aren't options here.
Foreign National loans are similar but built for non-residents. If you live and work in the U.S. and file taxes, ITIN is usually the better fit.
California City has a large working-class population with significant ITIN-filing households. Demand for this product is real here.
Lower home prices in this area mean smaller loan amounts. That can actually work in your favor — lower exposure often means easier approval.
Yes. ITIN loans are designed exactly for this. You need a valid ITIN, two years of tax returns, and a down payment.
Most lenders want 10–20% down. A larger down payment improves your approval odds and may lower your rate. Rates vary by borrower profile and market conditions.
Yes, typically. Non-QM loans carry more lender risk. Rate depends on your credit, down payment, and which lender we place you with.
Expect to provide your ITIN, two years of tax returns, bank statements, and proof of employment or self-employment income.
Some ITIN lenders accept rent history, utility payments, or other non-traditional credit. It depends on the lender's guidelines.
No. Foreign National loans are for non-residents. ITIN loans are for U.S. residents who file taxes without a Social Security number.