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Cypress has a large immigrant community. Many residents here earn solid incomes but don't have a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number instead. No SSN required to buy a home in Cypress.
Varies by lender
Min Credit Score
15-20%
Min Down Payment
No — ITIN accepted
SSN Required?
12-24 months
Income Docs Needed
Non-QM
Loan Type
ITIN Loans in Cypress
Most ITIN lenders want 12-24 months of bank statements or tax returns filed with your ITIN. Consistent deposits matter more than your visa status.
Down payments typically start at 15-20%. Credit requirements vary — some lenders accept non-traditional credit history.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Cypress.
Cypress has a large immigrant community. Many residents here earn solid incomes but don't have a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number instead. No SSN required to buy a home in Cypress.
Most ITIN lenders want 12-24 months of bank statements or tax returns filed with your ITIN. Consistent deposits matter more than your visa status.
ITIN loans are non-QM products. That means they don't follow Fannie Mae or Freddie Mac guidelines. Not every lender offers them.
We work with 200+ wholesale lenders. Several specialize in ITIN programs with competitive terms for Orange County borrowers.
The biggest mistake ITIN borrowers make: applying at a retail bank that doesn't offer this product. You waste weeks and hurt your credit.
Come in with two years of ITIN-filed tax returns and 12 months of bank statements. That package gets deals done faster.
Foreign National loans are similar but designed for non-residents. If you live and work in Cypress full-time, an ITIN loan is the stronger fit.
Bank Statement loans overlap here too. Some ITIN borrowers qualify for both — we run both scenarios to find the better rate.
Orange County home prices are high. ITIN borrowers in Cypress need solid reserves — plan for 3-6 months of payments in savings.
Cypress sits near Buena Park and Anaheim. Many ITIN borrowers here are self-employed in service, retail, or construction trades.
Yes. ITIN loans are specifically designed for borrowers without an SSN. Your ITIN is used in place of a Social Security number on the application.
Requirements vary by lender. Some accept non-traditional credit history like rent and utility payments if you lack a scored US credit file.
Most ITIN programs require 15-20% down. Higher down payments can improve your rate and offset a thinner credit profile.
No. ITIN loans don't require citizenship or a green card. Lenders focus on income stability and repayment ability instead.
Yes, typically. ITIN loans are non-QM products and carry higher rates than conventional loans. Rates vary by borrower profile and market conditions.
Some lenders allow it with documented rental agreements and bank deposits. Ask us which lenders in our network accept rental income for ITIN borrowers.