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Moreno Valley has a large immigrant community. Many residents earn steady income but don't have a Social Security number.
ITIN loans exist specifically for these borrowers. You use your Individual Taxpayer Identification Number to qualify instead.
Rent history accepted
Credit History
Valid ITIN
ID Requirement
20-25% typical
Down Payment
2 years (ITIN filed)
Tax Returns Required
ITIN Loans in Moreno Valley
You need a valid ITIN, two years of tax returns filed under that ITIN, and a solid payment history on credit or rent.
Most lenders want 20-25% down. Credit requirements vary, but stronger files get approved with fewer conditions.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Moreno Valley.
Moreno Valley has a large immigrant community. Many residents earn steady income but don't have a Social Security number.
ITIN loans exist specifically for these borrowers. You use your Individual Taxpayer Identification Number to qualify instead.
You need a valid ITIN, two years of tax returns filed under that ITIN, and a solid payment history on credit or rent.
ITIN loans are non-QM — meaning most banks don't offer them. You won't find these at Chase or Wells Fargo.
SRK CAPITAL works with 200+ wholesale lenders. We know which ones have real ITIN programs with competitive terms.
The biggest mistake ITIN borrowers make is applying directly with retail banks. They get declined and think homeownership isn't possible.
It is possible. The right lender matters more here than on any other loan type. That's exactly where we add value.
Foreign National loans are similar but designed for non-residents. ITIN borrowers typically live and work in the U.S. full-time.
Bank Statement loans are another option if you're self-employed. Some ITIN borrowers qualify for both — we run both scenarios.
Moreno Valley's home prices are lower than coastal Riverside County cities. That helps — smaller loan amounts mean less lender risk.
A larger down payment goes further here than in LA. Your 25% down buys real credibility with ITIN lenders in this price range.
Yes. You need your ITIN, two years of tax returns, and a down payment. No Social Security number required.
Most ITIN lenders require 20-25% down. A larger down payment can improve your rate and approval odds.
Yes, rates are higher — these are non-QM loans. Rates vary by borrower profile and market conditions.
Not always. Some lenders accept 12 months of on-time rent payments in place of traditional credit history.
Some lenders allow it. Guidelines vary significantly. We'll match you to lenders with the right program for your goal.
Community Mortgages are a specific niche product. ITIN loans are broader — the key qualifier is your tax ID number.