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Fullerton 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. No SSN required to buy a home here.
620–660 typical
Min Credit Score
15–20% required
Down Payment
2 years (ITIN filed)
Tax Returns Needed
12 months required
Bank Statements
ITIN Loans in Fullerton
Most ITIN lenders want a 620–660 credit score minimum. Some go lower with stronger assets or a bigger down payment.
Expect to put down 15–20%. 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 Fullerton.
Fullerton 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. No SSN required to buy a home here.
Most ITIN lenders want a 620–660 credit score minimum. Some go lower with stronger assets or a bigger down payment.
Big banks almost never do ITIN loans. You need a non-QM lender — and most borrowers don't know where to find one.
We work with 200+ wholesale lenders. Several specialize in ITIN programs and actively serve the Orange County market.
The biggest mistake ITIN borrowers make: waiting. Your credit and tax history are building right now. Start the process early.
Some lenders will count rental income or a co-borrower's income. That can change what you qualify for significantly.
Foreign National loans are a common alternative. But they usually require larger down payments and no U.S. credit history is needed.
ITIN loans are better for borrowers living and working in Fullerton full-time. They reward your U.S. credit and tax footprint.
Fullerton sits in northern Orange County with strong demand and limited inventory. ITIN buyers compete with conventional buyers.
Getting pre-approved matters here. Sellers in Fullerton want clean offers. An ITIN pre-approval from a credible lender helps.
Yes. ITIN loans are designed exactly for this. You need a valid ITIN, U.S. credit history, and tax returns filed under that number.
Most lenders require 15–20% down. A larger down payment can help offset a lower credit score.
Yes, typically higher than conventional loans. These are non-QM products. Rates vary by borrower profile and market conditions.
Expect to provide 2 years of tax returns filed with your ITIN, proof of income, and 12 months of bank statements.
Yes. A co-borrower can strengthen both your income and credit profile. Many ITIN approvals in Orange County work this way.
Yes. ITIN loans are for U.S. residents with tax and credit history here. Foreign National loans serve buyers without that U.S. footprint.