Loading
Loading
Atwater has a large immigrant community. Many residents here work, pay taxes, and build lives — without a Social Security number.
ITIN loans exist for exactly this situation. You use your Individual Taxpayer Identification Number to qualify instead.
Alt credit accepted
Credit Approach
No — ITIN accepted
SSN Required?
10–20% typical
Down Payment
2 years minimum
Tax Returns Needed
Non-QM / Portfolio
Loan Type
ITIN Loans in Atwater
You need a valid ITIN and at least two years of tax returns filed under that number. Lenders want to see you've used it consistently.
Most lenders require 12-24 months of bank statements or W-2s. Credit history is reviewed, but some lenders accept alternative trade lines.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Atwater.
Atwater has a large immigrant community. Many residents here work, pay taxes, and build lives — without a Social Security number.
ITIN loans exist for exactly this situation. You use your Individual Taxpayer Identification Number to qualify instead.
You need a valid ITIN and at least two years of tax returns filed under that number. Lenders want to see you've used it consistently.
Most big banks won't touch ITIN loans. This is a non-QM product — meaning it lives in the wholesale and portfolio lending space.
We work with 200+ wholesale lenders at SRK CAPITAL. Several specialize in ITIN programs with competitive rates and real underwriting flexibility.
The most common deal-killer is inconsistent tax filings. If your ITIN returns show gaps, lenders get nervous fast.
Get your last two years of returns filed and in order before you apply. That single step speeds up approval more than anything else.
Foreign National loans are for buyers living outside the US. ITIN loans are for residents here — working, filing taxes, putting down roots.
Bank Statement loans overlap somewhat. But ITIN programs are built specifically around the ITIN filing structure, which matters at underwriting.
Merced County's agricultural economy means many ITIN borrowers have seasonal or mixed income. Lenders need to see that averaged out clearly.
Atwater's home prices are relatively accessible for Central Valley. That lower price point helps ITIN borrowers meet down payment requirements.
Yes. ITIN loans are designed for exactly this. You don't need a Social Security number to qualify for these programs.
Most ITIN programs require 10-20% down. A larger down payment often helps offset other risk factors in the file.
Many lenders prefer one, but some accept alternative trade lines like rent history or utility payments. Ask us what your file looks like.
Yes, typically. Non-QM loans carry more lender risk. Rates vary by borrower profile and market conditions.
Yes. A co-borrower with a Social Security number can strengthen the application and may improve your rate.
Seasonal income is common in Merced County. Lenders average it over two years — clean tax filings make this much easier to document.