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Covina sits in Los Angeles County, where the median household income is $87,760. ITIN loans open the door for non-citizens without a Social Security number to build equity here.
Recent executive orders have increased scrutiny on non-citizen accounts and loans. Working with a broker experienced in ITIN lending protects your application and timeline.
620–640
Minimum Credit Score
10–20%
Down Payment Range
45–60 days
Underwriting Timeline
$1,249,125
2026 Conforming Limit
ITIN Loans in Covina
ITIN loans require a valid Individual Taxpayer Identification Number and two years of IRS tax returns. Credit scores of 620 or higher are standard, though some lenders require 640+.
Down payments range from 10% to 20% depending on lender and property type. The 2026 conforming limit is $1,249,125 in Los Angeles County.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Covina.
Covina sits in Los Angeles County, where the median household income is $87,760. ITIN loans open the door for non-citizens without a Social Security number to build equity here.
Recent executive orders have increased scrutiny on non-citizen accounts and loans. Working with a broker experienced in ITIN lending protects your application and timeline.
ITIN loans require a valid Individual Taxpayer Identification Number and two years of IRS tax returns. Credit scores of 620 or higher are standard, though some lenders require 640+.
ITIN lending in California is specialized. Fewer lenders offer these loans than conventional or FHA, so a broker with direct ITIN lender relationships saves time and improves approval odds.
Underwriting for ITIN loans runs 45–60 days on average. Lenders scrutinize tax returns closely, so complete paperwork from day one is critical.
ITIN loans work for non-citizens with stable income and clean tax history who want to own in Covina. Los Angeles County's median income of $87,760 supports purchases well below the conforming limit.
ITIN loans fail if tax returns are incomplete or filed late. Lenders need two solid years of documented income to move forward.
ITIN loans versus conventional: conventional requires a Social Security number and typically offers lower rates. ITIN loans open the door for non-citizens with solid tax history and no SSN.
FHA loans are available to non-citizens with an ITIN but require mortgage insurance for life if down payment is under 10%. ITIN conventional loans skip that lifetime insurance at 10% or more down.
Covina is a growing community in the San Gabriel Valley with solid school districts. For non-citizen homebuyers, owning here means building equity in a stable market.
The area has seen steady population growth and infrastructure investment. Homeownership in Covina provides a foundation for long-term wealth building.
Yes. ITIN loans are designed for non-citizens with a valid Individual Taxpayer Identification Number. You'll need two years of IRS tax returns and a 620+ credit score.
Most lenders require 10% to 20% down on ITIN loans. The exact amount depends on your credit score, income documentation, and the lender's guidelines.
ITIN underwriting typically takes 45–60 days. Tax return verification takes longer than conventional loans, so complete paperwork upfront speeds the process.
No. ITIN loans are available to non-citizens, including visa holders with valid ITINs and tax filing history. Permanent residency is not required.
The 2026 conforming limit in Los Angeles County is $1,249,125. Loans above that are jumbo and carry different terms.