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Lemoore sits in Kings County's agricultural heartland. Many residents here work in farming, food processing, or skilled trades — and a significant number use an ITIN instead of a Social Security number.
ITIN loans are non-QM products. That means they don't follow standard government lending rules. But they exist precisely for borrowers who pay taxes and build lives here without SSN eligibility.
620+
Min Credit Score
15–20% typical
Down Payment
2 years U.S. returns
Tax History Required
Non-QM
Loan Category
ITIN Loans in Lemoore
You need a valid, active ITIN to qualify. Lenders also want proof you've filed U.S. taxes — typically two years of returns. That paper trail matters more than citizenship status.
Credit requirements vary by lender, but most want a score of 620 or higher. Down payments typically start at 15-20%. The stronger your file, the better your rate. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Lemoore.
Lemoore sits in Kings County's agricultural heartland. Many residents here work in farming, food processing, or skilled trades — and a significant number use an ITIN instead of a Social Security number.
ITIN loans are non-QM products. That means they don't follow standard government lending rules. But they exist precisely for borrowers who pay taxes and build lives here without SSN eligibility.
You need a valid, active ITIN to qualify. Lenders also want proof you've filed U.S. taxes — typically two years of returns. That paper trail matters more than citizenship status.
Most big banks won't touch ITIN loans. You need a wholesale lender that specifically underwrites non-QM files. That's not a retail bank branch in Lemoore — that's a broker with the right channel access.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in ITIN programs. We shop your file across those options to find the best rate and terms for your situation.
The biggest mistake ITIN borrowers make: waiting. They assume homeownership isn't possible. It is — but your file needs to be tight. Clean tax returns, consistent income, and a real down payment go a long way.
Self-employed ITIN borrowers often pair this with a bank statement loan structure. Instead of tax returns, lenders use 12-24 months of deposits to verify income. That combo works well for agricultural contractors and small business owners in Kings County.
Foreign National loans are the closest alternative. But those are designed for borrowers without U.S. tax history. If you have an ITIN and file U.S. returns, an ITIN loan is usually the stronger path — better rates, lower down payment.
Community Mortgage programs occasionally serve ITIN borrowers too. They tend to have tighter property and income restrictions. ITIN non-QM loans are generally more flexible on loan size and property type.
Kings County home prices are among California's most accessible. That works in your favor — lower loan amounts mean smaller down payments in real dollars. A 20% down payment here is far less painful than in coastal markets.
Lemoore's workforce skews heavily toward agriculture and NAS Lemoore support industries. Many ITIN holders in this area have stable, verifiable income. That makes underwriting more straightforward than lenders might expect.
Yes. ITIN loans are designed for exactly this situation. You don't need a Social Security number — just an active ITIN and solid tax history.
No. Citizenship is not a requirement for ITIN loans. Legal residency status requirements vary by lender.
Most ITIN programs start at 15-20% down. A larger down payment can improve your rate and approval odds.
Two years of U.S. tax returns is standard. Self-employed borrowers may use 12-24 months of bank statements instead.
Yes, typically. ITIN loans are non-QM products and carry a rate premium. Rates vary by borrower profile and market conditions.
Yes. We work with wholesale lenders who actively underwrite ITIN files. We shop across 200+ lenders to find the right fit.