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Shafter has a large immigrant workforce tied to agriculture and logistics. Many residents here file taxes with an ITIN — not a Social Security number.
ITIN loans exist specifically for this borrower. No SSN required. You can own a home in Kern County with the tax ID you already have.
No — ITIN accepted
SSN Required?
10-20%
Min Down Payment
2 years U.S. returns
Tax History Needed
Thin credit OK
Credit Profile
Non-QM
Loan Type
ITIN Loans in Shafter
You need a valid ITIN and at least two years of U.S. tax returns. Lenders want to see consistent income and credit history — even thin credit can work.
Most lenders require 10-20% down. The stronger your down payment, the more programs open up. Reserves matter here too.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Shafter.
Shafter has a large immigrant workforce tied to agriculture and logistics. Many residents here file taxes with an ITIN — not a Social Security number.
ITIN loans exist specifically for this borrower. No SSN required. You can own a home in Kern County with the tax ID you already have.
You need a valid ITIN and at least two years of U.S. tax returns. Lenders want to see consistent income and credit history — even thin credit can work.
ITIN loans are non-QM — meaning they don't follow Fannie Mae or Freddie Mac rules. Most big banks won't touch them. You need a broker with wholesale access.
We work with 200+ wholesale lenders. Several specialize in ITIN programs with competitive rates. Rates vary by borrower profile and market conditions.
The biggest mistake ITIN borrowers make: waiting too long because they think homeownership isn't possible. It absolutely is — if you've been filing taxes consistently.
Two years of returns is the baseline. Some lenders also accept 12 months of bank statements instead of tax returns. We'll find what fits your situation.
Foreign National loans work if you don't live in the U.S. ITIN loans are for residents who live and work here but lack an SSN. Different programs, different rules.
Bank Statement loans overlap with ITIN programs for self-employed borrowers. If you're self-employed with an ITIN, we can often combine both approaches.
Shafter sits in Kern County with lower home prices than most of California. That means smaller loan amounts — which actually helps ITIN borrowers hit the down payment requirement.
The ag and logistics economy here means steady employment for many ITIN filers. That consistent income history is exactly what lenders want to see.
Yes. ITIN loans are designed for this. You'll need tax returns, a down payment, and verifiable income.
No. Some lenders accept thin or non-traditional credit. A larger down payment helps offset a weaker credit profile.
Most ITIN programs require 10-20% down. Putting down more often gets you better rates and more lender options.
Yes, typically. ITIN loans are non-QM, so rates run higher. Rates vary by borrower profile and market conditions.
Expect two years of U.S. tax returns, your ITIN, proof of income, and bank statements. Some lenders accept bank statements in place of returns.
Yes. Self-employed ITIN borrowers often qualify using bank statements. We work with lenders that handle both requirements together.