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Escondido's real estate market moves fast for buyers with ITIN numbers and solid income documentation. The median household income across San Diego County is $102,285, which supports homes in the $600,000 to $750,000 range comfortably.
The conforming limit in Escondido for 2026 is $1,104,000, so ITIN financing works for most single-family purchases here. Lenders focus on your actual income and assets rather than credit history alone.
620
Minimum FICO
10% to 20%
Down Payment Range
45–60 days
Underwriting Timeline
$102,285
County Median Income
$1,104,000
2026 Conforming Limit
ITIN Loans in Escondido
ITIN loans typically require a 620 FICO score minimum, though 640+ strengthens your application. Down payments range from 10% to 20% depending on the lender and your income documentation.
San Diego County's median household income of $102,285 translates to roughly $8,500 monthly gross income. At that level, a buyer can support a $600,000 to $700,000 mortgage with 15% down and solid reserves.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Escondido.
Escondido's real estate market moves fast for buyers with ITIN numbers and solid income documentation. The median household income across San Diego County is $102,285, which supports homes in the $600,000 to $750,000 range comfortably.
The conforming limit in Escondido for 2026 is $1,104,000, so ITIN financing works for most single-family purchases here. Lenders focus on your actual income and assets rather than credit history alone.
ITIN loans typically require a 620 FICO score minimum, though 640+ strengthens your application. Down payments range from 10% to 20% depending on the lender and your income documentation.
ITIN lending in California has grown steadily as lenders recognize the market opportunity. Brokers typically have better access to ITIN-friendly wholesale lenders than retail banks do.
Rates on ITIN loans run slightly higher than conforming conventional — typically 0.25% to 0.5% above par — to account for the additional underwriting risk. Closing costs are standard.
ITIN loans make sense in Escondido when you have solid income documentation but no SSN. If your tax returns show consistent self-employment earnings and your bank statements reflect healthy reserves, you'll qualify.
The math breaks down if your income is too recent or inconsistent. Lenders want to see 2+ years of history. If you've been self-employed less than 24 months, expect a harder time.
Conventional loans require an SSN and W-2 income documentation. ITIN loans accept self-employment income and alternative proof. If you have an SSN and W-2 history, conventional will cost less in rate and close faster.
FHA loans also accept ITIN numbers and require only 3.5% down versus 10% minimum for ITIN. However, FHA carries lifetime mortgage insurance if you put down less than 10%. ITIN loans at 15% down avoid mortgage insurance entirely.
Escondido's location in North County San Diego puts buyers within reach of both urban employment and suburban space. The city sits between downtown San Diego and the wine country of Temecula.
Schools in the Escondido Unified School District rank solidly for the region. Families buying here often prioritize the balance of affordability and school quality.
No. An ITIN (Individual Taxpayer Identification Number) is sufficient. Lenders verify income through tax returns and bank statements instead of SSN-based credit reports.
Most lenders require 10% to 20% down. At 10% down on a $600,000 purchase, you'd put $60,000 down. ITIN loans at 15% or higher avoid mortgage insurance entirely, which saves money over the loan's life.
Plan for 45 to 60 days. ITIN underwriting takes longer than conventional because lenders review tax returns, business records, and bank statements in detail. Starting with organized documentation speeds the process.
The minimum is typically 620 FICO, but 640+ strengthens your application. Since ITIN lenders rely more on income documentation than credit history, a solid tax return history can offset a lower score.
Yes — self-employed borrowers are the primary market for ITIN loans. You'll need 2+ years of business tax returns showing consistent income. Bank statements and business records help prove stability and reserves.