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Costa Mesa has a large immigrant community. Many residents earn solid incomes but don't have a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number instead. You don't need citizenship or a green card to qualify.
620–680
Min Credit Score
15–25%
Min Down Payment
12–24 months
Tax Return History
3–6 months
Reserves Required
No
SSN Required
ITIN Loans in Costa Mesa
Most ITIN lenders want a 620–680 credit score minimum. Some will go lower with a bigger down payment.
Expect to put down 15–25%. You'll also need 12–24 months of tax returns filed with your ITIN number.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Costa Mesa.
Costa Mesa has a large immigrant community. Many residents earn solid incomes but don't have a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number instead. You don't need citizenship or a green card to qualify.
Most ITIN lenders want a 620–680 credit score minimum. Some will go lower with a bigger down payment.
Banks don't offer ITIN loans. These are non-QM products held by private lenders and credit unions.
As a broker with 200+ wholesale lenders, we shop programs most borrowers never find on their own.
The biggest mistake ITIN borrowers make is waiting. Filing taxes with your ITIN number starts the clock.
Two years of filed returns is the most common lender requirement. Start building that history now if you haven't.
Foreign National loans are similar but built for buyers who live outside the U.S. ITIN loans are for residents.
Bank Statement loans are another option if your income is hard to document. We often combine strategies.
Costa Mesa sits in one of California's most expensive counties. ITIN loan limits can still reach into the jumbo range.
Orange County's competitive market means fast approvals matter. Non-QM closings typically take 21–30 days.
Yes. ITIN loans are designed exactly for this. You need a valid ITIN, tax filing history, and enough down payment.
Most lenders start at 620. A higher score or larger down payment can open more program options.
Plan for 15–25% down. Some lenders go lower with strong reserves and income documentation.
No. ITIN loans do not require permanent residency or citizenship. Your visa or residency status isn't the primary factor.
Non-QM loans like this typically close in 21–30 days. Being fully prepared with documents speeds things up.
Expect 12–24 months of tax returns filed with your ITIN, bank statements, and proof of income. Lenders vary.