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Barstow has a growing immigrant community. Many residents earn solid incomes but lack a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number instead. That one change opens homeownership to borrowers most banks turn away.
Alt credit accepted
Credit Approach
No — ITIN only
SSN Required?
10–20% typical
Down Payment
2 years required
Tax Filing History
Non-QM
Loan Type
ITIN Loans in Barstow
You need a valid ITIN and at least two years of filed tax returns. Lenders want to see you've been paying taxes consistently.
Most programs require 10-20% down. Credit history is evaluated differently — foreign credit records can sometimes count.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Barstow.
Barstow has a growing immigrant community. Many residents earn solid incomes but lack a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number instead. That one change opens homeownership to borrowers most banks turn away.
You need a valid ITIN and at least two years of filed tax returns. Lenders want to see you've been paying taxes consistently.
Your local bank almost certainly won't do this loan. ITIN mortgages live in the non-QM space — specialty wholesale lenders only.
SRK CAPITAL works with 200+ wholesale lenders. Several specialize in ITIN programs with competitive terms for California borrowers.
The biggest mistake ITIN borrowers make: waiting. You don't need a green card or citizenship to buy in Barstow right now.
Documentation is everything on these files. Tax returns, ITIN letter, proof of income — get those organized before you apply.
Foreign National loans are for buyers who live abroad. ITIN loans are for people who live and work here — that's a key difference.
Bank Statement loans are another non-QM option, but those require a business. ITIN loans work for W-2 earners too.
Barstow home prices are lower than most of California. That means smaller loan amounts and more manageable down payments for ITIN borrowers.
San Bernardino County has a large Spanish-speaking population. SRK CAPITAL can walk through your options in your language.
Yes. You don't need a Social Security number. A valid ITIN plus tax history is enough to qualify with the right lender.
No. ITIN loans are designed for non-citizens. Residency status does not determine eligibility for these programs.
Most ITIN programs require 10-20% down. The exact amount depends on your income, credit, and which lender we match you with.
Some lenders accept foreign credit records. It varies by program — this is exactly where shopping multiple lenders matters.
Typically yes. Non-QM loans carry more risk for lenders. Rates vary by borrower profile and market conditions.
Expect to provide your ITIN letter, two years of tax returns, and proof of income. More documentation means more lender options.