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Rialto has a large immigrant community. Many residents here earn steady income but don't have a Social Security number.
ITIN loans fill that gap. They're built for borrowers who file taxes with an Individual Taxpayer Identification Number.
580–620+
Min Credit Score
10–20%
Down Payment
2 Years
Tax Filing Required
12–24 Months
ITIN History Needed
ITIN Loans in Rialto
You need a valid ITIN, two years of tax returns, and proof of steady income. Lenders want to see you've filed taxes consistently.
Most lenders require 12-24 months of payment history on something — rent, utilities, or foreign credit. A 620+ credit score helps, but some programs go lower.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Rialto.
Rialto has a large immigrant community. Many residents here earn steady income but don't have a Social Security number.
ITIN loans fill that gap. They're built for borrowers who file taxes with an Individual Taxpayer Identification Number.
You need a valid ITIN, two years of tax returns, and proof of steady income. Lenders want to see you've filed taxes consistently.
Big banks don't touch ITIN loans. This product lives in the non-QM wholesale market — portfolio lenders and specialty shops.
SRK CAPITAL works with 200+ wholesale lenders. We know which ones price ITIN loans competitively and which ones bury you in rate.
The biggest mistake ITIN borrowers make is waiting. Two years of consistent tax filing is the foundation lenders want. Start now.
Income documentation is where deals fall apart. Self-employed ITIN borrowers often qualify better using bank statements than tax returns. We look at both.
Foreign National loans are similar but aimed at non-residents. ITIN loans are for people living and working in the US who file US taxes.
Bank Statement loans can pair well with an ITIN if you're self-employed. Asset Depletion loans work if you have significant savings but irregular income.
Rialto sits in San Bernardino County, where home prices run lower than coastal markets. That makes down payment requirements more manageable for ITIN borrowers.
The Inland Empire has a strong working-class ownership culture. ITIN loans are a real path to homeownership here — not a workaround.
Yes. ITIN loans are legal and available in California. You don't need a Social Security number to purchase property.
Most programs start at 620. Some specialty lenders go down to 580 with a larger down payment.
Expect 10-20% down on most ITIN programs. Lower down payments carry higher rates.
No. ITIN loans are designed for non-citizens who live and work in the US and file US taxes.
Yes, if documented. Lenders want a paper trail — lease agreements and bank deposits showing consistent rent received.
Two years of tax returns, 12 months of bank statements, valid ITIN, and proof of residence or rental payment history.