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Nevada City is a small Sierra Nevada foothill town. Homeownership here is real — and ITIN borrowers can qualify.
ITIN loans (Individual Taxpayer Identification Number loans) are non-QM products. They're built for borrowers without a Social Security number.
Non-trad credit OK
Credit Requirement
2 Years (ITIN)
Tax Returns Required
10–30%
Down Payment
30–45 Days
Est. Close Time
Non-QM / Portfolio
Loan Type
ITIN Loans in Nevada City
You need a valid ITIN and at least two years of tax returns filed under that number. Lenders want to see a paper trail.
Most lenders require 12-24 months of bank statements or W-2s. Credit history through an ITIN is acceptable — no SSN credit needed.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Nevada City.
Nevada City is a small Sierra Nevada foothill town. Homeownership here is real — and ITIN borrowers can qualify.
ITIN loans (Individual Taxpayer Identification Number loans) are non-QM products. They're built for borrowers without a Social Security number.
You need a valid ITIN and at least two years of tax returns filed under that number. Lenders want to see a paper trail.
Big banks don't touch ITIN loans. This is a wholesale and private lender market exclusively.
We work with 200+ wholesale lenders. Several specialize in ITIN programs with competitive non-QM pricing. Rates vary by borrower profile and market conditions.
The biggest mistake ITIN borrowers make: applying at a bank and getting turned down cold. That denial can hurt your file.
Start with a broker who knows non-QM. We match your income docs, credit profile, and down payment to the right lender before anything hits your credit.
Foreign National loans are an alternative if you don't file US taxes. But ITIN borrowers who file taxes usually get better terms.
Bank Statement loans can layer in if you're self-employed. Some lenders combine ITIN status with bank statement income — ask about it.
Nevada City's housing stock is older and largely single-family. That fits ITIN loan collateral requirements well — no complex condo issues.
Nevada County is a small market. Fewer competing offers means ITIN buyers aren't usually at a disadvantage due to financing type.
Yes. ITIN loans are designed exactly for this. You'll need tax returns, bank statements, and a down payment — typically 10-30%.
Most lenders accept non-traditional credit history. Utility payments, rent history, and foreign credit can all count toward your profile.
Expect 10-30% down depending on your credit strength and income documentation. A larger down payment often gets you a better rate.
Yes — ITIN loans are non-QM, so rates run higher than conventional. Rates vary by borrower profile and market conditions.
Plan for 30-45 days. Non-QM underwriting takes longer than conventional. Having your tax returns and bank statements ready speeds things up.
Most single-family homes qualify. Rural or acreage properties may need additional lender review. Condos depend on the specific lender's guidelines.