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San Juan Bautista sits in San Benito County, a working agricultural community with deep roots in immigrant labor. Many residents here earn steady income but don't have a Social Security number.
ITIN loans exist for exactly this borrower. You use your Individual Taxpayer Identification Number — your IRS-issued ITIN — instead of an SSN to qualify.
Alt credit accepted
Credit Approach
No — ITIN works
SSN Required?
10%–20% typical
Down Payment
2 years required
Tax Return History
Non-QM
Loan Category
ITIN Loans in San Juan Bautista
Most ITIN lenders want a valid, active ITIN and at least two years of tax returns filed under it. Credit history can be thin — some lenders accept alternative credit like rent and utility payments.
Down payment requirements run higher than conventional loans. Expect 10% to 20% down depending on the lender. Income documentation varies — some lenders accept bank statements instead of W-2s.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in San Juan Bautista.
San Juan Bautista sits in San Benito County, a working agricultural community with deep roots in immigrant labor. Many residents here earn steady income but don't have a Social Security number.
ITIN loans exist for exactly this borrower. You use your Individual Taxpayer Identification Number — your IRS-issued ITIN — instead of an SSN to qualify.
Most ITIN lenders want a valid, active ITIN and at least two years of tax returns filed under it. Credit history can be thin — some lenders accept alternative credit like rent and utility payments.
ITIN loans are non-QM products. That means they don't follow Fannie Mae or Freddie Mac guidelines. Most banks won't touch them — you need a broker or a specialty non-QM lender.
Rates on ITIN loans run higher than conventional rates. Lenders price for the added risk. Rates vary by borrower profile and market conditions.
The biggest ITIN file killer is documentation. Borrowers come in with an ITIN but haven't filed taxes consistently. Lenders need to see the paper trail — file every year, even if you owe nothing.
We work with 200+ wholesale lenders at SRK CAPITAL. Several have dedicated ITIN programs with competitive terms. We match your profile to the right one rather than forcing one lender's box.
Foreign National loans are a common alternative. But those are built for buyers who live outside the U.S. If you live and work here, an ITIN loan is usually a better fit.
Bank Statement loans sometimes overlap with ITIN programs. Some lenders combine both — you qualify with your ITIN and use bank statements to prove income. That's a strong path for self-employed borrowers.
San Juan Bautista is a small city with a tight housing supply. Properties move quickly among a close-knit buyer pool. Getting pre-approved matters — sellers won't wait.
San Benito County has a large agricultural workforce, many of whom file taxes under ITINs. This is a well-understood borrower profile for ITIN-focused lenders familiar with the region.
Yes. ITIN loans let you use your IRS tax ID instead. You'll need consistent tax filings and a solid down payment.
Most require two years of returns filed under your ITIN. Gaps in filing history can delay or derail approval.
Yes, typically. They're non-QM products, so lenders price for added risk. Rates vary by borrower profile and market conditions.
Some ITIN lenders accept alternative credit — rent, utilities, insurance payments. Ask your broker which lenders allow this.
Yes. Bank statement programs work well alongside ITIN qualification. Two years of statements is the standard ask.
Yes. ITIN loans are for U.S.-based borrowers. Foreign National loans are for buyers who live outside the country.