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Placentia has a strong immigrant community. Many residents work, pay taxes, and build lives here — without a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number instead. No SSN required to buy a home in Orange County.
620 (varies by lender)
Min Credit Score
No — ITIN accepted
SSN Required?
20% typical
Min Down Payment
2 years filed
Tax History Required
Non-QM
Loan Type
ITIN Loans in Placentia
You need a valid ITIN, a two-year tax history, and a strong down payment. Most lenders want 20% down minimum.
Credit history matters, but some lenders accept alternative credit — utility bills, rent history, and remittance records.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Placentia.
Placentia has a strong immigrant community. Many residents work, pay taxes, and build lives here — without a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number instead. No SSN required to buy a home in Orange County.
You need a valid ITIN, a two-year tax history, and a strong down payment. Most lenders want 20% down minimum.
ITIN loans are non-QM products. Big banks don't offer them. You need a broker with access to non-QM wholesale lenders.
SRK CAPITAL works with 200+ wholesale lenders. Several specialize in ITIN programs built for borrowers in Southern California.
The biggest mistake I see: ITIN borrowers going to a retail bank and getting rejected. That rejection can hurt your credit for nothing.
Start with a broker who knows non-QM. We place these loans regularly. The right lender changes your rate and your approval odds.
Foreign National loans cover non-resident buyers. ITIN loans are for people living and working in the US — just without an SSN.
Bank Statement loans are another non-QM option. If you're self-employed with an ITIN, that combo may open more programs.
Orange County home prices are high. A 20% down payment here is a serious number. Savings documentation is key to approval.
Placentia sits in a competitive market. ITIN borrowers who come prepared — with full tax docs and reserves — close deals.
Yes. ITIN loans are designed for this. You don't need an SSN to qualify with a non-QM lender in Orange County.
Most ITIN programs require 20% down. Some lenders go lower with stronger credit or reserves.
Not always. Some lenders accept alternative credit like rent, utilities, and remittance records in place of a traditional score.
Yes, typically. Non-QM loans carry more lender risk. Rates vary by borrower profile and market conditions.
Most lenders want two years of filed US tax returns. Your ITIN must be active and consistently used.
Expect to provide tax returns, bank statements, ID, and proof of employment or self-employment income.