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Grass Valley has a growing immigrant community. Many residents here work, pay taxes, and build lives — but don't have a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number instead. No SSN required. That opens homeownership to people most banks won't touch.
620 (varies by lender)
Min Credit Score
10–20%
Typical Down Payment
2 years (ITIN filed)
Tax Returns Required
21–30 days
Est. Close Time
ITIN Loans in Grass Valley
You need a valid ITIN and a real credit history. Some lenders accept alternative credit — utility bills, rent history, remittance records.
Down payments typically run 10–20%. The stronger your file, the lower the down payment lenders will accept. Two years of tax returns filed with your ITIN is the standard.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Grass Valley.
Grass Valley has a growing immigrant community. Many residents here work, pay taxes, and build lives — but don't have a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number instead. No SSN required. That opens homeownership to people most banks won't touch.
You need a valid ITIN and a real credit history. Some lenders accept alternative credit — utility bills, rent history, remittance records.
Big retail banks almost never offer ITIN loans. You need a non-QM lender — a lender that prices risk differently than Fannie Mae.
We work with 200+ wholesale lenders. A handful specialize in ITIN products. Rates vary by borrower profile and market conditions, but ITIN loans do carry a premium over conventional rates.
The biggest deal-killer I see? Borrowers who haven't filed taxes with their ITIN consistently. Lenders want two years of returns filed under that same number.
If you've been sending money abroad, keep records. Some lenders count remittances as proof of financial responsibility. That detail has saved more than one file on my desk.
Foreign National loans are the closest alternative. But those require foreign income documentation and often larger down payments. ITIN loans work better for US-based earners.
Bank Statement loans are another option if you're self-employed. But those still require an SSN. ITIN loans are the only path if you don't have one.
Grass Valley sits in Nevada County, where the construction and agricultural workforce includes many ITIN-holding residents. Demand for ITIN loans here is real.
Property prices in the Sierra Nevada foothills tend to stay below Bay Area levels. That makes down payment requirements more manageable for first-time ITIN buyers.
Yes. ITIN loans are designed for exactly this. You don't need an SSN — just a valid ITIN, tax history, and down payment.
No. ITIN loans don't require citizenship or permanent residency. Legal presence varies by lender — ask upfront.
Many lenders want a 620 or higher. Some accept alternative credit if you have no formal score yet.
Yes. ITIN is a non-QM product and carries a rate premium. Rates vary by borrower profile and market conditions.
Some lenders allow it. You'll need documentation — lease agreements and ideally two years of rental history.
Non-QM loans like this typically close in 21–30 days. Complex files take longer. Start gathering documents early.