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Mariposa County sits at the gateway to Yosemite. It attracts buyers from many backgrounds — including those without a Social Security number.
ITIN loans exist for exactly this borrower. You file taxes with an Individual Taxpayer Identification Number and want to buy property here.
620 (typical)
Min Credit Score
10–20%
Down Payment
1–2 Years
Tax Filing Required
30–45 Days
Est. Close Time
ITIN Loans in Mariposa
Your ITIN must be active and your taxes must be filed. Lenders want to see 1-2 years of tax returns showing consistent income.
Most lenders require a 620+ credit score and 10-20% down. Some go lower on credit but raise the down payment requirement.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Mariposa.
Mariposa County sits at the gateway to Yosemite. It attracts buyers from many backgrounds — including those without a Social Security number.
ITIN loans exist for exactly this borrower. You file taxes with an Individual Taxpayer Identification Number and want to buy property here.
Your ITIN must be active and your taxes must be filed. Lenders want to see 1-2 years of tax returns showing consistent income.
Big banks don't do ITIN loans. This is a non-QM product, meaning it lives entirely in the wholesale and portfolio lending space.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in ITIN programs with competitive terms for rural California buyers.
The biggest mistake ITIN borrowers make: waiting too long to check their credit file. Build it before you shop for a home.
Some lenders will count rental income, self-employment, or co-borrower income. Bring all sources to the table — it often changes the approval.
Foreign National loans are for non-residents who don't file U.S. taxes. ITIN loans are for people living here and paying taxes — different profile entirely.
Bank Statement loans can pair well if you're self-employed. Some ITIN programs accept bank statements instead of tax returns as income proof.
Mariposa is rural. Properties here often include land, wells, and septic systems. Those features add appraisal complexity on any loan — including ITIN.
Non-QM lenders doing ITIN loans in rural counties can be picky about collateral. Expect closer scrutiny on acreage and property condition.
Raw land loans are a separate product. ITIN loans cover residential property — a home must be on the parcel.
No. ITIN loans are designed for non-citizens who live and work in the U.S. and file taxes using an ITIN.
Expect 30-45 days. Rural appraisals in Mariposa County can add time due to limited comparable sales.
Yes, many ITIN lenders accept rental income. You'll need documentation — leases and possibly tax records showing it.
Single-family homes are the clearest path. Mixed-use or rural hobby farms may be declined depending on the lender.