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Chino has a large immigrant community with deep roots in San Bernardino County. Many residents here earn solid incomes but don't have a Social Security number.
ITIN loans exist for exactly this situation. If the IRS issued you an ITIN for tax purposes, you can use it to buy a home in Chino.
No — ITIN accepted
SSN Required?
10–20% typical
Down Payment
2 years minimum
Tax Filing History
Thin files considered
Credit File
Non-QM
Loan Type
ITIN Loans in Chino
You need a valid ITIN and at least two years of tax returns filed under that number. Lenders want to see you've been paying taxes consistently.
Most ITIN lenders require 10–20% down. Credit history is evaluated, but thin files are acceptable if you have alternative tradelines.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Chino.
Chino has a large immigrant community with deep roots in San Bernardino County. Many residents here earn solid incomes but don't have a Social Security number.
ITIN loans exist for exactly this situation. If the IRS issued you an ITIN for tax purposes, you can use it to buy a home in Chino.
You need a valid ITIN and at least two years of tax returns filed under that number. Lenders want to see you've been paying taxes consistently.
Big banks don't do ITIN loans. This product lives in the non-QM wholesale market, and not every broker has access to those lenders.
At SRK CAPITAL, we work with 200+ wholesale lenders — including specialized non-QM shops that actively price ITIN loans for California borrowers.
The biggest mistake I see: borrowers wait too long to gather their tax documents. Pull your last two years of ITIN returns before anything else.
If your credit file is thin, open a secured card or become an authorized user on a family member's account. Even 12 months of history helps significantly.
ITIN loans are non-QM, so rates run higher than conventional loans. That's the trade-off for bypassing SSN requirements.
Foreign National loans are another option if you live abroad. But if you live and work in Chino and file US taxes, the ITIN loan is the cleaner path.
Chino sits in San Bernardino County, which offers more affordable entry points than LA or Orange County. That matters for ITIN borrowers managing larger down payments.
The area's strong blue-collar and small-business workforce fits the ITIN borrower profile well. Many ITIN applicants here are self-employed — bank statement documentation can also support income in those cases.
Yes. ITIN loans are designed for exactly this. You need a valid IRS-issued ITIN and two years of filed tax returns.
Most lenders require 10–20% down. The exact amount depends on your credit profile and the lender's guidelines.
Yes. ITIN is a non-QM product, so rates are higher. Rates vary by borrower profile and market conditions.
Thin files are workable. Lenders may accept alternative tradelines like utility payments or foreign credit history.
Some non-QM lenders allow ITIN loans on investment properties. Guidelines vary — ask us which lenders permit this.
No. ITIN loans are specifically structured for non-citizens who file US taxes. Citizenship is not a requirement.