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Tustin has a large immigrant community. Many residents here earn solid incomes but don't qualify for conventional loans because they lack a Social Security number.
ITIN loans fill that gap. They're built for borrowers who file U.S. taxes using an Individual Taxpayer Identification Number instead of an SSN.
~620
Min Credit Score
10–20%
Down Payment
No
SSN Required?
30–45 Days
Est. Close Time
ITIN Loans in Tustin
Lenders want to see your ITIN, two years of tax returns, and steady income. Credit requirements vary, but most lenders want at least a 620 score.
Down payment minimums are higher than FHA. Expect 10–20% down depending on the lender and your file strength.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Tustin.
Tustin has a large immigrant community. Many residents here earn solid incomes but don't qualify for conventional loans because they lack a Social Security number.
ITIN loans fill that gap. They're built for borrowers who file U.S. taxes using an Individual Taxpayer Identification Number instead of an SSN.
Lenders want to see your ITIN, two years of tax returns, and steady income. Credit requirements vary, but most lenders want at least a 620 score.
Big banks don't offer ITIN loans. These come from portfolio lenders — institutions that hold the loan themselves instead of selling it to Fannie or Freddie.
That's where a broker matters. We work with 200+ wholesale lenders, and a solid handful actively compete on ITIN programs. Rates vary by borrower profile and market conditions.
The biggest mistake ITIN borrowers make is applying at one bank and assuming the answer is final. Lenders price these files very differently.
Strong tax returns help more than anything. If your reported income is thin, some lenders allow bank statements instead. That opens more doors.
Foreign National loans are the closest alternative. But those are for borrowers with no U.S. tax history at all — ITIN borrowers typically qualify for better terms.
Bank Statement loans are another option if you're self-employed and your tax returns don't reflect your actual income. Both are non-QM, but each has different qualifying logic.
Tustin sits in Orange County, one of California's most competitive housing markets. ITIN borrowers here are often competing against conventionally financed buyers.
Getting pre-approved before you shop is critical. Sellers in Tustin expect serious offers. An ITIN pre-approval from a credible lender signals you're ready to close.
Yes. ITIN loans are designed for exactly this. You'll need your ITIN card, tax returns, and proof of stable income.
Yes, typically. These are non-QM loans, so rates run higher than conventional. Rates vary by borrower profile and market conditions.
Most ITIN lenders require 10–20% down. A stronger credit file and more reserves can help you qualify at the lower end.
No. ITIN loans are available to legal residents, visa holders, and others who file U.S. taxes without an SSN.
Some ITIN lenders allow it, especially for self-employed borrowers. Not every lender offers this, so options vary.
Portfolio lenders move at their own pace. Plan for 30–45 days. Getting your documents ready early speeds things up.