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Delano has a large immigrant workforce. Many residents here earn steady income but don't have a Social Security number.
ITIN loans exist for exactly this situation. You use your Individual Taxpayer ID to apply — no SSN required.
620 typical
Min Credit (Alt OK)
No — ITIN only
SSN Required?
15–20% typical
Down Payment
2 years filed
Tax History Needed
Non-QM
Loan Type
ITIN Loans in Delano
You need a valid ITIN and a credit history tied to it. Some lenders accept alternative credit — utility bills, rent, insurance payments.
Down payments typically start at 15-20%. Strong income documentation helps offset the higher down payment requirement.
Most banks don't offer ITIN loans. This is a non-QM product, meaning it lives in the wholesale and private lending world.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in ITIN programs with competitive terms.
The biggest mistake I see: borrowers wait years assuming they can't qualify. If you have an ITIN and 2 years of filed taxes, you're further along than you think.
Lenders want to see consistent income. Two years of tax returns filed with your ITIN is the foundation. Gaps in filing hurt your file.
Foreign National loans are a close cousin. But those target non-US residents. If you live and work in Delano, the ITIN loan is the right fit.
Bank Statement loans are another option if your tax returns don't show full income. Some lenders let you combine ITIN status with bank statement income.
Kern County agriculture drives Delano's economy. Many borrowers here are farmworkers with seasonal or mixed income sources.
Lenders that understand ag-based income are critical. Not all ITIN lenders handle seasonal employment well — we find ones that do.
Yes. ITIN loans are designed for this. You don't need an SSN to qualify — just a valid ITIN and documented income.
No. ITIN loans serve non-citizens living and working in the US. Citizenship status is not a disqualifier.
Expect 15-20% down. Some lenders go higher depending on credit and income. Stronger files get better terms.
Some ITIN lenders in our network handle seasonal income. We'll match you with lenders who understand Kern County ag employment.
Conventional loans require an SSN and conform to Fannie/Freddie rules. ITIN loans are non-QM and held by private lenders.
Yes, typically. Non-QM loans carry more risk for lenders. Rates vary by borrower profile and market conditions.