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Marina sits on Monterey Bay with a diverse, working-class population. Many residents here earn steady income but don't have a Social Security number.
ITIN loans exist for exactly this situation. You file taxes with an Individual Taxpayer Identification Number — you can still buy a home.
660 (typical)
Min Credit Score
15–20%
Min Down Payment
No — ITIN accepted
SSN Required?
2 years returns
Tax History Needed
Non-QM
Loan Category
ITIN Loans in Marina
You need a valid ITIN, two years of tax returns, and steady income. Most lenders want a 660+ credit score, though some go lower.
Down payment requirements typically start at 15-20%. That's higher than FHA — but ownership is still within reach with the right lender.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Marina.
Marina sits on Monterey Bay with a diverse, working-class population. Many residents here earn steady income but don't have a Social Security number.
ITIN loans exist for exactly this situation. You file taxes with an Individual Taxpayer Identification Number — you can still buy a home.
You need a valid ITIN, two years of tax returns, and steady income. Most lenders want a 660+ credit score, though some go lower.
Most big banks won't touch ITIN loans. This is a non-QM product — meaning it lives outside conventional lending rules.
Wholesale lenders who specialize in non-QM are your best path. We work with 200+ of them, and a meaningful number actively price ITIN products.
The biggest mistake ITIN borrowers make is assuming they can't qualify. Many can — they just need the right lender.
Tax return presentation matters a lot. If your returns show low net income after deductions, some lenders will struggle. We know which ones look at gross or use alternative income docs.
Foreign National loans are a close cousin — but those are built for non-residents. If you live and work in the US and file taxes with an ITIN, this product fits better.
Bank Statement loans are another option if your tax returns understate income. Some lenders let ITIN borrowers use bank statements instead of returns.
Marina has a strong agricultural and service-sector workforce. Many of these workers have ITINs and consistent income — they're solid borrowers who just need the right program.
Monterey County home prices make this loan relevant. Owning in Marina beats renting long-term, and ITIN financing makes that possible for buyers banks overlook.
Yes. ITIN loans are designed for this. You don't need a Social Security number to get a mortgage through a non-QM lender.
Most lenders want 660 or higher. Some non-QM lenders go lower, but rates will be higher. Rates vary by borrower profile and market conditions.
Plan for 15-20% down. A few lenders go as low as 10% with stronger credit and income documentation.
Usually yes, if they show enough net income. If heavy deductions reduce your reported income, some lenders allow alternative documentation.
Yes, typically. Non-QM products carry a rate premium over conventional loans. Rates vary by borrower profile and market conditions.
Yes. ITIN loans cover both purchase and refinance transactions. The same qualification standards apply.