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Wasco has a large working population without Social Security numbers. Many are long-term residents who pay taxes, rent homes, and are ready to buy.
ITIN loans exist specifically for this borrower. You use your Individual Taxpayer Identification Number — your ITIN — instead of an SSN to qualify.
620 (some lower)
Min Credit Score
No — ITIN accepted
SSN Required?
10–20% typical
Down Payment
2 years required
Tax Filing History
Non-QM
Loan Category
ITIN Loans in Wasco
You need a valid ITIN and a two-year history of filing U.S. taxes. Lenders want to see you've been consistently reporting income to the IRS.
Most lenders require 12-24 months of bank statements or tax returns. Credit scores typically need to be 620 or higher, though some programs go lower.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Wasco.
Wasco has a large working population without Social Security numbers. Many are long-term residents who pay taxes, rent homes, and are ready to buy.
ITIN loans exist specifically for this borrower. You use your Individual Taxpayer Identification Number — your ITIN — instead of an SSN to qualify.
You need a valid ITIN and a two-year history of filing U.S. taxes. Lenders want to see you've been consistently reporting income to the IRS.
Most big banks won't touch ITIN loans. This is a non-QM product — meaning it falls outside standard government lending guidelines.
We work with 200+ wholesale lenders, and a solid handful specialize in ITIN programs. Rates vary, so shopping across lenders genuinely matters here.
The biggest mistake ITIN borrowers make is assuming they can't qualify. Many can — they just haven't found the right lender.
Down payment requirements usually run 10-20%. Having a larger down payment can offset a thinner credit file or shorter U.S. credit history.
Foreign National loans are for non-residents. ITIN loans are for people who live here, work here, and file U.S. taxes — that's a very different profile.
Bank Statement loans overlap somewhat. If you're self-employed with an ITIN, you may qualify under either program. We'll run both scenarios.
Wasco's economy runs heavily on agriculture and food processing. Many workers in these industries are exactly who ITIN loans are designed for.
Kern County home prices are lower than coastal California. That means down payment requirements are more manageable for first-time ITIN borrowers.
Yes. ITIN loans are designed for exactly this. You need a valid ITIN, two years of tax filings, and sufficient income documentation.
No. ITIN loans are available to non-citizens who live and work in the U.S. and file taxes with an ITIN.
Most ITIN lenders want 620 or above. Some programs go lower, but expect stricter terms and a higher down payment requirement.
Plan on 10-20% down. A larger down payment can help if your credit history in the U.S. is limited.
Typically two years of tax returns, 12-24 months of bank statements, and proof of employment or self-employment income.
Yes. ITIN loans are non-QM products and carry higher rates than conventional loans. Rates vary by borrower profile and market conditions.