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Buena Park has a large immigrant population. Many residents earn solid incomes but don't have a Social Security number.
An ITIN — Individual Taxpayer Identification Number — lets you file taxes without a SSN. Lenders who accept ITINs can turn that into a mortgage.
620 (varies)
Min Credit Score
10-20% typical
Down Payment
12-24 months
Tax Returns Required
Non-QM
Loan Type
200+ wholesale lenders
Lender Access
ITIN Loans in Buena Park
Most ITIN lenders want 12-24 months of tax returns filed with your ITIN. They want to see consistent income — not perfection.
Expect a minimum 10-20% down payment. Credit requirements vary by lender, but a score above 620 opens more options.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Buena Park.
Buena Park has a large immigrant population. Many residents earn solid incomes but don't have a Social Security number.
An ITIN — Individual Taxpayer Identification Number — lets you file taxes without a SSN. Lenders who accept ITINs can turn that into a mortgage.
Most ITIN lenders want 12-24 months of tax returns filed with your ITIN. They want to see consistent income — not perfection.
Big banks don't touch ITIN loans. This is a non-QM product — meaning it lives outside conventional lending rules.
Non-QM wholesale lenders set their own guidelines. Rates are higher than conventional, but the product exists specifically for borrowers in your situation. Rates vary by borrower profile and market conditions.
The biggest file killer is inconsistent tax filing. If you skipped a year or filed late, address that upfront before applying.
We shop ITIN programs across 200+ wholesale lenders. Not every lender prices this product competitively — rate shopping matters here more than on a standard loan.
Foreign National loans are an alternative — but they require overseas income documentation and typically larger down payments.
Bank Statement loans may work if you're self-employed. They accept 12-24 months of deposits instead of tax returns. Ask if you qualify for both — we'll run the comparison.
Buena Park sits in northwest Orange County. It's a working-class homeownership market — buyers here tend to be practical and equity-focused.
As of April 2026, Orange County home prices remain elevated. A 10-20% down payment on a Buena Park property is a real number. Plan your savings timeline accordingly.
Yes. ITIN loans are designed for exactly this. You need a valid ITIN and documented income — no SSN required.
Most lenders want 12-24 months of returns filed under your ITIN. Consistent filing history matters more than the number of years.
Yes. ITIN loans are non-QM products, so rates run higher. Rates vary by borrower profile and market conditions.
Some ITIN lenders do allow investment properties. Expect stricter down payment requirements — often 20-25% on non-owner-occupied purchases.
Some ITIN lenders accept alternative credit — utility payments, rent history, or foreign credit reports. This limits your options but doesn't eliminate them.
Not necessarily. ITIN loans focus on your tax filing and income documentation, not immigration status. Each lender sets its own residency rules.