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Gustine is a working-class Central Valley town. Many residents are hardworking immigrants who pay taxes but don't have a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number instead. It's a real mortgage product, not a workaround.
620+
Min Credit Score
10–20%
Down Payment
No — ITIN accepted
SSN Required?
2 Years
Tax History Needed
Non-QM / Portfolio
Loan Type
ITIN Loans in Gustine
You need a valid ITIN, two years of tax returns, and steady income. Most lenders want a 620+ credit score and 10-20% down.
No SSN required. But lenders do verify identity, income, and residency history. Come prepared with documentation.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Gustine.
Gustine is a working-class Central Valley town. Many residents are hardworking immigrants who pay taxes but don't have a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number instead. It's a real mortgage product, not a workaround.
You need a valid ITIN, two years of tax returns, and steady income. Most lenders want a 620+ credit score and 10-20% down.
Banks don't do ITIN loans. These are non-QM products held by portfolio lenders — they make their own rules.
Access matters here. We shop 200+ wholesale lenders to find who's active in Merced County and pricing competitively.
The file prep makes or breaks these deals. Get your ITIN letter, last two years of returns, and bank statements ready upfront.
Lenders vary a lot on what they'll accept for income. Self-employed borrowers in Gustine may qualify using bank statements instead of tax returns.
If you have an SSN, conventional or FHA loans will get you a better rate. ITIN loans carry higher rates due to added lender risk.
Foreign National loans are a separate product — those are for non-residents. ITIN borrowers typically live and work in the US full-time.
Agriculture drives Gustine's economy. Many ITIN borrowers here are farmworkers or small business owners in the dairy and food processing sectors.
Merced County home prices are more accessible than coastal California. That means lower loan amounts and easier down payment thresholds for ITIN buyers.
Yes. A valid ITIN replaces the SSN requirement. You still need income, credit history, and a down payment.
Most lenders require 10-20% down. The exact amount depends on your credit score and lender guidelines.
No. ITIN loans are designed for non-citizens who live and work in the US. Citizenship is not required.
Most lenders start at 620. Some go lower, but expect higher rates and stricter terms below that threshold.
Yes. ITIN loans are non-QM products. Lenders price in added risk, so expect rates above conventional or FHA. Rates vary by borrower profile and market conditions.
Yes. Bank Statement loans pair well with ITIN status for self-employed borrowers. We match you to the right program.