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Chowchilla sits in Madera County's agricultural core. Many residents here work in farming, food processing, or seasonal labor — and a large share hold ITINs instead of Social Security numbers.
ITIN loans exist specifically for this situation. You don't need a Social Security number to buy a home in California.
620 (varies)
Typical Min Credit Score
10–20%
Min Down Payment
2 Years ITIN
Tax Returns Required
Non-QM
Loan Type
ITIN Loans in Chowchilla
Lenders want to see your ITIN tax returns — typically two years. Consistent filing history signals stability to underwriters.
Credit requirements vary by lender. Some accept alternative credit like utility payments or rent history. A 620 score helps, but options exist below that.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Chowchilla.
Chowchilla sits in Madera County's agricultural core. Many residents here work in farming, food processing, or seasonal labor — and a large share hold ITINs instead of Social Security numbers.
ITIN loans exist specifically for this situation. You don't need a Social Security number to buy a home in California.
Lenders want to see your ITIN tax returns — typically two years. Consistent filing history signals stability to underwriters.
Most banks won't touch ITIN loans. This is non-QM territory — meaning specialty wholesale lenders, not your local bank branch.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in ITIN programs. We shop across all of them to find the right fit.
The biggest mistake ITIN borrowers make: waiting too long to file taxes. Two consecutive years of returns is the standard ask. Get those filed early.
Lenders also look hard at down payment sourcing. Large cash deposits need to be explained. Keep records of where your money comes from.
Foreign National loans are for non-US residents. ITIN loans are for people who live and work here — just without a Social Security number. That distinction matters.
Bank Statement loans are another non-QM option, but those require a business. ITIN loans work for employees and self-employed borrowers alike.
Chowchilla's housing market skews affordable compared to coastal California. That works in your favor — loan amounts stay manageable and down payments are reachable.
Madera County has a significant Spanish-speaking population. We work with bilingual partners and can guide you through the process in Spanish if needed.
Yes. ITIN loans are designed for this. You don't need a Social Security number to qualify.
Most lenders want two years of ITIN returns. Consistent filing history is what underwriters look for.
Requirements vary by lender. Some accept alternative credit. A 620+ score opens more options, but it's not a hard floor.
Expect 10-20% down for most ITIN programs. Higher down payments can improve your rate. Rates vary by borrower profile and market conditions.
Some lenders allow it, but options are narrower. Primary residence purchases are much easier to get approved.
ITIN loans are non-QM. Most banks don't offer them. You need a broker with access to specialty wholesale lenders.