Loading
Loading
Poway attracts buyers who've built real roots here — jobs, families, businesses. Not having a Social Security number shouldn't end the conversation.
ITIN loans exist for borrowers with an Individual Taxpayer Identification Number. These are non-QM loans, meaning they fall outside standard Fannie Mae and Freddie Mac guidelines.
620–680 (varies)
Min Credit Score
15–20%
Typical Down Payment
2 Years (ITIN)
Tax Return History
2-Year Min Required
Filing Continuity
Non-QM / Portfolio
Loan Type
ITIN Loans in Poway
You'll need a valid ITIN, two years of tax returns filed under that number, and a credit profile. Some lenders build credit history from alternative sources like rent and utilities.
Down payments typically start at 15-20%. Lenders want to see steady income — W-2s, self-employment records, or 12-24 months of bank statements work depending on the lender.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Poway.
Poway attracts buyers who've built real roots here — jobs, families, businesses. Not having a Social Security number shouldn't end the conversation.
ITIN loans exist for borrowers with an Individual Taxpayer Identification Number. These are non-QM loans, meaning they fall outside standard Fannie Mae and Freddie Mac guidelines.
You'll need a valid ITIN, two years of tax returns filed under that number, and a credit profile. Some lenders build credit history from alternative sources like rent and utilities.
Most big banks don't touch ITIN loans. This is a non-QM product, so you're working with wholesale lenders and portfolio lenders who set their own guidelines.
Lender requirements vary widely on this product. One lender might require 20% down and a 680 score. Another accepts 15% down with no traditional credit score at all.
ITIN files get scrutinized hard. Your income documentation needs to be clean and consistent. Gaps, inconsistencies, or mismatched names on documents slow approvals fast.
I've seen deals fall apart because a borrower switched from ITIN filing to SSN mid-stream. Know your filing history before you start. Two-year continuity matters to underwriters.
Foreign National loans are an alternative — but those require larger down payments, often 25-30%, and don't require U.S. tax filing history.
Bank Statement loans overlap with ITIN loans for self-employed borrowers. If you have an ITIN and run a business, you may qualify for both products — compare them carefully.
Poway sits in a high-cost San Diego County market. Home prices here demand solid down payment reserves — plan for 20% plus closing costs.
Many ITIN borrowers in San Diego County are long-term residents with strong employment ties. That stability helps. Lenders want to see you're planted here, not transient.
Yes. ITIN loans are designed for exactly this. You'll need tax returns, income docs, and a down payment — typically 15-20%.
Some lenders require a 620-680 score. Others accept alternative credit like rent history and utility payments instead.
Most lenders require two years of U.S. tax returns filed under your ITIN. Consistency across both years matters.
Yes, typically. Non-QM products carry more lender risk. Rates vary by borrower profile and market conditions.
Bank statements — 12 to 24 months — can document your income. Some lenders specialize in self-employed ITIN borrowers.
Some lenders allow gift funds on ITIN loans. Rules vary by lender. Document the source clearly — underwriters will ask.