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National City sits in San Diego County, where the median household income of $102,285 supports homeownership across a wide price range. ITIN loans open the door for self-employed and immigrant buyers who have solid income but lack a Social Security number.
ITIN borrowers in National City typically bring strong down payments—often 10% to 20%—and documented income through tax returns, bank statements, or business records.
620
Minimum Credit Score
10–20%
Typical Down Payment
2 years of tax returns
Income Documentation
45–60 days
Closing Timeline
$1,104,000
Conforming Limit (2026)
ITIN Loans in National City
ITIN loans require a valid Individual Taxpayer Identification Number and at least two years of documented income. Most lenders want a credit score of 620 or higher, though some work with lower scores if your down payment and reserves are strong.
San Diego County's median household income of $102,285 translates to roughly $8,500 monthly gross. At that income level, you can typically qualify for a loan around $400,000 to $500,000 depending on debt, reserves, and down payment.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in National City.
National City sits in San Diego County, where the median household income of $102,285 supports homeownership across a wide price range. ITIN loans open the door for self-employed and immigrant buyers who have solid income but lack a Social Security number.
ITIN borrowers in National City typically bring strong down payments—often 10% to 20%—and documented income through tax returns, bank statements, or business records.
ITIN loans require a valid Individual Taxpayer Identification Number and at least two years of documented income. Most lenders want a credit score of 620 or higher, though some work with lower scores if your down payment and reserves are strong.
ITIN lending in California has grown significantly over the past five years. Brokers and portfolio lenders dominate this space because they can underwrite based on full financial context rather than automated credit scoring.
Closing timelines for ITIN loans run 45 to 60 days—longer than conventional because lenders verify income documents more thoroughly. Appraisals, title work, and underwriting follow standard paths, but the income review is more detailed.
ITIN loans make sense in National City when you have solid income, strong reserves, and a down payment of 10% or more. The rates are competitive with conventional loans if your financial profile is clean.
The real advantage here is speed and flexibility. You avoid the SSN requirement entirely and build equity from day one without waiting for citizenship or a credit history to mature.
FHA loans require a Social Security number and carry mortgage insurance for the life of the loan if your down payment is under 10%. ITIN loans skip the SSN requirement and avoid mortgage insurance entirely if you put 10% or more down.
Conventional loans (non-ITIN) demand a credit score of 620 or higher and typically require 5% down minimum. ITIN loans are more flexible on credit but stricter on income documentation.
National City is a working-class community in South San Diego County with strong ties to small business and self-employment. Many residents are immigrants building equity for the first time, which is exactly the demographic ITIN loans serve.
The median household income across San Diego County is $102,285, and National City's cost of living is lower than the county average. That income stretch goes further here than in Coronado or La Jolla.
No. An ITIN (Individual Taxpayer Identification Number) is the entire point. You file taxes with your ITIN and use it to build a lending profile. Lenders verify your income through tax returns and bank statements instead of credit scoring.
Two years of personal or business tax returns are standard. Self-employed applicants also submit profit-and-loss statements. W-2 employees use recent pay stubs and tax documents. Bank statements for six months prove deposits and savings.
Yes. Put 10% or more down and you skip mortgage insurance entirely. ITIN loans don't carry PMI like conventional loans do. That's a real advantage if you have savings—your down payment directly reduces the loan amount with no insurance cost.
Expect 45 to 60 days. Income verification takes longer because lenders review tax returns and bank statements in detail. Appraisals and title work follow standard timelines.
Most lenders want 620 or higher, but some work with lower scores if your down payment and bank reserves are strong. Income stability and documented savings matter more than a perfect credit file. Call to discuss your specific profile.