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San Rafael sits in one of California's most expensive counties. Marin's housing costs push many buyers toward non-QM loan programs.
ITIN loans exist specifically for borrowers without a Social Security number. If you file taxes with an ITIN, you can still buy a home here.
620 (varies by lender)
Min Credit Score
20–25% typical
Down Payment
2 years ITIN filed
Tax Returns Required
Non-QM / Portfolio
Loan Type
12+ months preferred
U.S. Credit History
ITIN Loans in San Rafael
You need a valid, active ITIN issued by the IRS. Lenders also want 2 years of tax returns filed under that ITIN.
Most ITIN lenders require 20–25% down. Your credit history matters too — even foreign credit accounts can help build your profile.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in San Rafael.
San Rafael sits in one of California's most expensive counties. Marin's housing costs push many buyers toward non-QM loan programs.
ITIN loans exist specifically for borrowers without a Social Security number. If you file taxes with an ITIN, you can still buy a home here.
You need a valid, active ITIN issued by the IRS. Lenders also want 2 years of tax returns filed under that ITIN.
Banks don't offer ITIN loans. These come exclusively from non-QM wholesale lenders and portfolio lenders.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in ITIN programs with competitive terms for California borrowers.
The biggest mistake ITIN borrowers make: waiting to establish credit. Open a secured card today and pay it on time for 12 months.
Income documentation matters a lot. Most ITIN lenders want 2 years of federal returns. Some accept bank statements instead — that's a real option for self-employed buyers.
Foreign National loans are for non-residents. ITIN loans are for residents who live and work here — that's a key difference.
Bank Statement loans can overlap if you're self-employed. But ITIN loans handle the identity piece that Bank Statement loans don't.
San Rafael has a large Latino community, including many long-term residents who file taxes with an ITIN. This program is built for buyers exactly like that.
Marin County prices are high. That means larger loan amounts, which makes lender selection even more important. Rates vary by borrower profile and market conditions.
Yes. A valid ITIN replaces the SSN requirement for these loans. You'll still need income docs, down payment, and credit history.
Most lenders require 20–25% down. Some programs allow less with stronger credit and reserves.
Yes, typically higher than conventional loans. They're non-QM products, so lenders price in additional risk. Rates vary by borrower profile and market conditions.
Two years of ITIN-filed federal tax returns is standard. Self-employed borrowers may qualify using 12–24 months of bank statements.
Requirements vary by lender. Many accept valid visas or residency docs. We match you to lenders whose guidelines fit your situation.
Yes. If you obtain an SSN after buying, you may refinance into a conventional loan. That can lower your rate significantly.