Loading
Loading
Calimesa sits in the San Gorgonio Pass area of Riverside County. It attracts buyers who want more space at lower price points than coastal California.
Many residents here are immigrants building lives and credit without a Social Security number. ITIN loans exist exactly for this situation.
620 (typical)
Min Credit Score
No — ITIN accepted
SSN Required?
10–20%
Min Down Payment
2 years (ITIN filed)
Tax Returns Required
Non-QM / Portfolio
Loan Type
ITIN Loans in Calimesa
You need a valid ITIN issued by the IRS. Lenders also want to see at least two years of tax returns filed under that ITIN.
Most lenders require 12-24 months of bank statements to verify income. Expect a minimum down payment of 10-20%, depending on the lender.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Calimesa.
Calimesa sits in the San Gorgonio Pass area of Riverside County. It attracts buyers who want more space at lower price points than coastal California.
Many residents here are immigrants building lives and credit without a Social Security number. ITIN loans exist exactly for this situation.
You need a valid ITIN issued by the IRS. Lenders also want to see at least two years of tax returns filed under that ITIN.
Big banks don't offer ITIN loans. This is a non-QM product, meaning it's funded by portfolio lenders and private capital.
We work with 200+ wholesale lenders. A handful specialize in ITIN programs with competitive terms and realistic guidelines.
The single biggest approval killer is inconsistent tax filing. If your ITIN returns show gaps or mismatched income, lenders pump the brakes fast.
File clean returns for at least two consecutive years before applying. That one step removes most of the friction I see in these deals.
Foreign National loans are for non-residents. ITIN loans are for people living and working in the U.S. who just don't have an SSN yet.
Bank Statement loans are a closer cousin — both are non-QM and income-flexible. But Bank Statement loans typically require an SSN.
Calimesa has a growing immigrant population, particularly workers in logistics and agriculture tied to the Inland Empire economy.
As of April 2026, home prices in the Inland Empire remain more accessible than LA or Orange County. That makes ITIN loans a realistic path here.
Yes. ITIN loans are designed for exactly this. You don't need an SSN to purchase a home in Riverside County.
Most ITIN lenders want a 620 or higher. Thin credit files can work, but expect a higher rate. Rates vary by borrower profile and market conditions.
Plan for 10-20% down. Some lenders go to 10% with strong income docs. Others require 20% minimum.
No. ITIN loans serve non-citizens living and working in the U.S. Citizenship is not a requirement.
Non-QM loans take slightly longer to process than conventional loans. Budget 30-45 days from application to close.
Some ITIN lenders allow it. You'll need documentation — typically lease agreements and 12 months of deposit history.