Loading
Loading
Garden Grove has one of Orange County's largest immigrant communities. Many residents here earn solid incomes but don't have a Social Security number — and ITIN loans exist exactly for them.
An ITIN (Individual Taxpayer Identification Number) is issued by the IRS to people who pay taxes but aren't eligible for an SSN. Lenders who accept ITINs treat it like an SSN for loan qualification purposes.
Varies by lender
Min Credit Score
No — ITIN accepted
SSN Required?
10–20% typical
Down Payment
12–24 months
Tax Return History
Non-QM
Loan Type
ITIN Loans in Garden Grove
Most ITIN lenders want to see 12-24 months of tax returns filed with your ITIN. They need proof you've been paying taxes consistently — that's your credit history substitute.
Credit scores matter, but lenders handle this differently. Some build an alternative credit profile using rent, utility, and phone payment history if you lack a traditional score.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Garden Grove.
Garden Grove has one of Orange County's largest immigrant communities. Many residents here earn solid incomes but don't have a Social Security number — and ITIN loans exist exactly for them.
An ITIN (Individual Taxpayer Identification Number) is issued by the IRS to people who pay taxes but aren't eligible for an SSN. Lenders who accept ITINs treat it like an SSN for loan qualification purposes.
Most ITIN lenders want to see 12-24 months of tax returns filed with your ITIN. They need proof you've been paying taxes consistently — that's your credit history substitute.
ITIN loans are non-QM — meaning they don't follow Fannie Mae or Freddie Mac rules. Only a subset of lenders offer them, and terms vary widely across those lenders.
We work with 200+ wholesale lenders at SRK CAPITAL. That reach matters here because ITIN programs aren't standardized. One lender may cap LTV at 80% while another goes to 85%.
The biggest mistake ITIN borrowers make is going directly to a retail bank. Most big banks don't touch these loans. You need a broker with real non-QM lender relationships.
Documentation is everything on ITIN files. Get your ITIN tax returns, bank statements, and alternative credit references organized before you apply. Gaps slow everything down.
Foreign National loans are a common alternative, but they usually require larger down payments and exclude rental income from qualification. ITIN loans often allow better debt-to-income flexibility.
Bank Statement loans are another option if you're self-employed. Some lenders let you pair bank statements with your ITIN, which can help if your tax returns understate your real income.
Garden Grove's Vietnamese and Latino communities include thousands of self-employed business owners. Many file taxes with an ITIN but can't get a conventional loan — ITIN programs close that gap.
Orange County home prices are high. That means ITIN borrowers here often need jumbo-sized ITIN loans, which are available but require stronger reserves and larger down payments.
Yes. ITIN loans are designed for exactly this situation. You'll need tax returns, income docs, and typically 10-20% down.
No. ITIN loans don't require permanent residency or a visa. Your tax filing history and income are what lenders evaluate.
Yes. ITIN loans are non-QM, so rates run higher than conventional. Rates vary by borrower profile and market conditions.
Most ITIN lenders in Garden Grove require 10-20% down. Stronger credit profiles and more reserves can improve your terms.
Some lenders allow it. This depends entirely on the lender's guidelines — not all ITIN programs treat rental income the same way.
Some lenders build an alternative credit profile using rent, utilities, and phone history. Not every ITIN lender offers this, so ask upfront.