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ITIN Loans in Tiburon
Do I need a Social Security number to get an ITIN loan?
ITIN loans are built for borrowers who file taxes with an ITIN instead of a Social Security number. You'll need solid tax returns and bank statements to prove income.
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Tiburon's median home price sits at $3,448,500, with homes priced at $1,390/sq ft per sq ft. The market has 29 active listings and homes spend about 43 days on the market.
Marin County's median household income of $142,785 supports purchases at this price level. ITIN borrowers in Tiburon work with manually underwritten loans tailored to their documentation.
640
Minimum credit score
89%
Maximum loan-to-value
11%
Down payment minimum
17-21 days
Closing window
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ITIN loans for a primary residence require a minimum 640 representative credit score and a maximum 50 percent total debt-to-income ratio. The loan-to-value ratio caps at 89 percent, meaning you need at least 11 percent down.
Loan amounts range from $100,000 to $1,500,000 for a primary residence. You'll need a minimum of 3 months in reserves. Properties must be single-unit to four-unit owner-occupied homes.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Tiburon.
Tiburon's median home price sits at $3,448,500, with homes priced at $1,390/sq ft per sq ft. The market has 29 active listings and homes spend about 43 days on the market.
Marin County's median household income of $142,785 supports purchases at this price level. ITIN borrowers in Tiburon work with manually underwritten loans tailored to their documentation.
ITIN loans for a primary residence require a minimum 640 representative credit score and a maximum 50 percent total debt-to-income ratio. The loan-to-value ratio caps at 89 percent, meaning you need at least 11 percent down.
Rate check
Tell us the price range, down payment and credit range you are working with. We compare every lender we work with and show you the options side by side.
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ITIN loans are manually underwritten, meaning a real person reviews your file rather than an automated system. Lenders focus on your tax returns, bank statements and credit history to verify income and stability.
SRK CAPITAL shops ITIN loans across its wholesale lender network to find the best fit for your profile. Closing typically takes 17 to 21 days, or 10 days when a file is expedited.
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ITIN loans make sense in Tiburon when you have solid tax history and reserves but no Social Security number. At a $3,448,500 median price, the 89 percent loan-to-value cap means you'll carry meaningful equity from day one.
The 50 percent debt-to-income limit is tight, so your income on your tax returns has to clearly support the payment. If your income is seasonal or variable, reserves become even more important.
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Conventional loans require a Social Security number and run through automated underwriting. ITIN loans skip that requirement and use manual review instead, which takes longer but opens the door for borrowers without a SSN.
Conventional loans typically offer more automated approval paths and different documentation rules. ITIN loans lean on tax returns and manual review, giving borrowers without a Social Security number a real route to owning a home in Tiburon.
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A privately owned Marin County mountaintop is opening to the public for the first time in decades, creating new hiking access near Tiburon. That kind of infrastructure investment supports long-term home values in the area.
Marin County Fair runs July 1-5 each year in San Rafael with nightly fireworks. The region's strong community calendar and outdoor recreation draw buyers who value lifestyle alongside location.
FAQ
ITIN loans are built for borrowers who file taxes with an ITIN instead of a Social Security number. You'll need solid tax returns and bank statements to prove income.
The maximum loan-to-value is 89 percent, so you need at least 11 percent down. On a $3,448,500 home, that's roughly $379,335 down.
SRK CAPITAL closes ITIN loans in 17 to 21 days. If your file is expedited, closing can happen in 10 days.
ITIN loans are underwritten for primary residences only. Investment properties and rental units fall outside this program's guidelines.
You need a minimum 640 representative credit score for a primary residence. Your tax returns and payment history matter as much as your credit file.
Programs for first-time buyers that allow lower down payments and more forgiving credit and income rules.
Explore refinancing options to lower your rate, tap equity, or switch loan terms.
SRK CAPITAL in Marin County
Our team of licensed mortgage brokers works Marin County every week. Tell us where you are in the process and we will map out the loan, the timeline and the money you need at closing, with no obligation.
What working with us looks like
Licensed mortgage brokers
You talk with a broker, not a call center, from the first question to closing day.
17-21 day typical close
Most purchase loans close in 17-21 days once your paperwork is in.
Every county in California
We work across the state, including Marin County, so local limits and rules are already familiar.
Financing solutions for rental properties, fix-and-flip projects, and real estate portfolios.
Mortgage programs with alternative income documentation for business owners and freelancers.
Federally insured or guaranteed programs (FHA, VA, USDA) that let lenders accept lower credit scores and smaller down payments.
Traditional mortgage options meeting standard lending guidelines with various term structures.
Alternative lending programs for borrowers who need flexible documentation or unique loan structures.
This page is for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates, terms, and program availability can change and vary by borrower and property. Consult a licensed mortgage professional for guidance on your scenario.