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Indio has a large and established immigrant community. Many residents here earn solid incomes but don't have a Social Security number.
ITIN loans — mortgages for borrowers with an Individual Taxpayer Identification Number — exist specifically for this situation. They're non-QM loans, meaning they follow portfolio rules, not government guidelines.
620 (typical)
Min Credit Score
2 Years
Tax Returns Required
10–20%
Down Payment
Non-QM / Portfolio
Loan Type
ITIN Loans in Indio
You need a valid ITIN and at least two years of tax returns filed under that number. Lenders want to see you've been in the U.S. credit system for a while.
Most lenders require a credit score of 620 or higher. No credit score? Some lenders accept alternative credit history — rent, utilities, insurance payments.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Indio.
Indio has a large and established immigrant community. Many residents here earn solid incomes but don't have a Social Security number.
ITIN loans — mortgages for borrowers with an Individual Taxpayer Identification Number — exist specifically for this situation. They're non-QM loans, meaning they follow portfolio rules, not government guidelines.
You need a valid ITIN and at least two years of tax returns filed under that number. Lenders want to see you've been in the U.S. credit system for a while.
Big banks don't offer ITIN loans. This product lives entirely in the non-QM wholesale market — community lenders, credit unions, and portfolio shops.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in ITIN lending. Rate and program terms vary significantly between them.
The most common mistake we see: borrowers wait too long because they assume homeownership isn't possible without an SSN. It absolutely is.
File your taxes every year under your ITIN. Two years of clean tax returns is the single biggest thing you can do to strengthen your file before applying.
Foreign National loans are a close cousin — but those are for buyers without U.S. credit history at all. ITIN loans assume you've been here, filing taxes, building credit.
Bank Statement loans are another option if your income is self-employed. Some lenders will combine ITIN qualification with bank statement income docs. We find the right mix.
Indio's workforce is heavily tied to agriculture, hospitality, and construction — industries with high concentrations of ITIN-holding workers who own homes here.
The Coachella Valley's housing market serves a diverse buyer pool. ITIN lending is not niche here — it's a core part of how families in this area become homeowners.
Yes. ITIN loans are designed for exactly this. You don't need an SSN to qualify for a mortgage in California.
Most want 620 or higher. Some lenders accept alternative credit like rent and utility payment history instead.
Expect 10–20% down. ITIN loans are non-QM products, so lenders carry more risk and price accordingly.
Yes. Filing under your ITIN for two consecutive years is the standard requirement across most ITIN lenders.
Yes, typically. Non-QM loans carry a rate premium. Rates vary by borrower profile and market conditions.
Yes. Some lenders accept bank statement income docs alongside ITIN qualification. SRK CAPITAL can find those programs.