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Larkspur sits in one of the most expensive counties in California. Marin home prices reflect that — and ITIN borrowers here need lenders who understand this market.
ITIN loans are non-QM products. That means they fall outside standard lending rules and require a broker with access to specialized wholesale lenders.
620+
Min Credit Score
15–20%
Min Down Payment
No — ITIN accepted
SSN Required?
3–5 weeks
Typical Underwriting
12–24 months
Income Docs
ITIN Loans in Larkspur
You need a valid ITIN issued by the IRS. Lenders also want 12–24 months of tax returns or bank statements showing consistent income.
Most ITIN lenders require a 620–660 minimum credit score. Down payments typically start at 15–20% for primary residences.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Larkspur.
Larkspur sits in one of the most expensive counties in California. Marin home prices reflect that — and ITIN borrowers here need lenders who understand this market.
ITIN loans are non-QM products. That means they fall outside standard lending rules and require a broker with access to specialized wholesale lenders.
You need a valid ITIN issued by the IRS. Lenders also want 12–24 months of tax returns or bank statements showing consistent income.
Big banks won't touch ITIN loans. You need wholesale non-QM lenders — and access to the right ones matters a lot at Marin County price points.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in ITIN products with competitive terms for high-cost California markets.
The biggest mistake ITIN borrowers make is walking into a bank first. You'll waste weeks and likely get declined.
Come in with two years of tax returns filed under your ITIN and three months of bank statements. That package moves faster with non-QM underwriters.
Foreign National loans are an alternative if you have no U.S. credit history at all. ITIN loans usually offer better terms if you've built U.S. credit.
Bank Statement loans work similarly but require a SSN. If you have an ITIN and self-employment income, the ITIN program is usually the right fit.
Larkspur's proximity to San Francisco and its ferry access make it a high-demand market. Competition moves fast — pre-approval matters before you make an offer.
Marin County has strict zoning and limited inventory. ITIN borrowers who are financially prepared close at the same speed as conventional buyers.
Yes. ITIN loans are specifically built for borrowers without a SSN. You'll need a valid ITIN, U.S. credit history, and documented income.
Most non-QM lenders want at least 620. A score above 680 will get you meaningfully better rates and terms.
Expect 15–20% minimum on a primary residence. Investment properties typically require more. Rates vary by borrower profile and market conditions.
Yes. Two years of IRS-filed tax returns under your ITIN is the cleanest income documentation for these lenders.
Non-QM underwriting typically runs 3–5 weeks. Having all documents ready upfront cuts that timeline significantly.
Yes, non-QM products carry higher rates than conventional loans. Rates vary by borrower profile and market conditions.