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Gardena has a large immigrant population. Many residents earn steady income but don't have a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number instead. That one change opens homeownership to borrowers banks routinely turn away.
620 (varies)
Min Credit Score
No — ITIN accepted
SSN Required
10-20% typical
Down Payment
12-24 months
Income History Needed
Non-QM
Loan Type
ITIN Loans in Gardena
You need a valid ITIN, a solid payment history, and documented income. Most lenders want 12-24 months of bank statements or tax returns.
Credit requirements vary by lender. Some accept scores as low as 620. Others will work with a thin credit file if your income is strong.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Gardena.
Gardena has a large immigrant population. Many residents earn steady income but don't have a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number instead. That one change opens homeownership to borrowers banks routinely turn away.
You need a valid ITIN, a solid payment history, and documented income. Most lenders want 12-24 months of bank statements or tax returns.
Most big banks don't offer ITIN loans. This is a non-QM product — meaning you need a wholesale lender that specializes in it.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several of them actively compete for ITIN borrowers with strong income and payment history.
The most common deal-killer is undocumented income. If you've been paid in cash, get your deposits organized before you apply.
Two years of consistent deposits into one account tells a strong story. Mixing accounts or irregular transfers creates questions lenders don't like.
Foreign National loans are for non-residents buying investment property. ITIN loans are for residents who plan to live in the home.
Bank Statement loans overlap but require a Social Security number. If you only have an ITIN, that program is off the table — ITIN loans are your route.
Gardena sits in the South Bay, close to Torrance and Hawthorne. It's affordable compared to most of Los Angeles County.
That relative affordability matters for ITIN borrowers. A lower purchase price means a smaller down payment in real dollars — and more lenders willing to underwrite the deal.
Yes. ITIN loans are built for this. You don't need an SSN — just a valid ITIN, documented income, and a down payment.
Most ITIN lenders require 10-20% down. The exact amount depends on your credit profile and the lender's guidelines.
Yes, typically. ITIN loans are non-QM products and carry more lender risk. Rates vary by borrower profile and market conditions.
Expect to provide your ITIN, 12-24 months of bank statements or tax returns, and proof of residency.
Some lenders allow it. Owner-occupied purchases are easier to approve. Investment property deals require stronger financials.
Yes. SRK CAPITAL works with wholesale lenders who actively fund ITIN loans in Los Angeles County, including Gardena.