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Yucca Valley has a growing immigrant community. Many residents earn steady income but lack a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number instead. That opens the door to buying in San Bernardino County.
620 (typical)
Min Credit Score
No — ITIN accepted
SSN Required?
10–20% typical
Down Payment
12–24 months
Income Docs
Non-QM
Loan Type
ITIN Loans in Yucca Valley
You need a valid ITIN issued by the IRS. Lenders also want 12-24 months of bank statements or tax returns to verify income.
Most lenders require a 620+ credit score. Some accept alternative credit history — rent, utilities, or foreign credit reports.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Yucca Valley.
Yucca Valley has a growing immigrant community. Many residents earn steady income but lack a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number instead. That opens the door to buying in San Bernardino County.
You need a valid ITIN issued by the IRS. Lenders also want 12-24 months of bank statements or tax returns to verify income.
Big banks don't offer ITIN loans. This product lives entirely in the non-QM wholesale space.
SRK CAPITAL works with 200+ wholesale lenders. We know which ones have strong ITIN programs and reasonable pricing.
The biggest mistake ITIN borrowers make is waiting. Credit history and documentation take time to build — start now.
If you've been paying rent on time for two years, that matters. Bring proof. Some lenders will count it.
Foreign National loans are for non-residents buying investment property. ITIN loans are for residents who plan to live here.
Bank Statement loans require an SSN. ITIN loans are specifically built for borrowers without one. They're different products.
Yucca Valley is more affordable than most of Southern California. That matters — ITIN loans often require larger down payments.
San Bernardino County properties also attract short-term rental interest. Some ITIN programs allow non-owner-occupied purchases.
Yes. An ITIN replaces the SSN requirement on non-QM loans. You still need income documentation, a down payment, and a credit profile.
Most lenders want 620 or higher. Some accept alternative credit history if you have limited U.S. credit. Rates vary by borrower profile and market conditions.
Expect 10-20% down depending on the lender and your file strength. Stronger income docs can sometimes lower the requirement.
Some lenders accept foreign bank statements. Not all do. SRK CAPITAL knows which wholesale lenders are flexible on this.
Yes, typically. Non-QM loans carry higher rates due to added risk. Rates vary by borrower profile and market conditions.
Yes. Many ITIN borrowers refinance into better terms after building a stronger U.S. credit file. That's a common path.