Loading
Loading
San Francisco has one of the largest immigrant populations in California. Many residents here earn solid incomes but hold an ITIN instead of an SSN.
ITIN loans are non-QM products — non-qualified mortgages that fall outside standard Fannie Mae and Freddie Mac guidelines. That means different rules, not impossible ones.
620 (typical)
Min Credit Score
20-25%
Min Down Payment
2 years (ITIN)
Tax Returns Required
6-12 months
Reserves Expected
Non-QM / Portfolio
Loan Type
ITIN Loans in San Francisco
You need a valid ITIN and at least two years of U.S. tax returns filed under that number. Lenders want to see you've been paying U.S. taxes consistently.
Credit requirements vary by lender. Most want a 620 or higher score. Some will go lower with a bigger down payment — typically 20-25% minimum.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in San Francisco.
San Francisco has one of the largest immigrant populations in California. Many residents here earn solid incomes but hold an ITIN instead of an SSN.
ITIN loans are non-QM products — non-qualified mortgages that fall outside standard Fannie Mae and Freddie Mac guidelines. That means different rules, not impossible ones.
You need a valid ITIN and at least two years of U.S. tax returns filed under that number. Lenders want to see you've been paying U.S. taxes consistently.
Big banks don't offer ITIN loans. This product lives almost entirely in the wholesale and non-QM lending space.
As a broker with access to 200+ wholesale lenders, we can shop this across multiple non-QM investors. Rates vary widely here — one lender's pricing can be significantly better than another's. Rates vary by borrower profile and market conditions.
The biggest deal-killer I see is borrowers who filed taxes inconsistently. If you skipped a year or filed late, fix that before applying.
Income documentation matters too. Bank statements and tax returns both help. Some lenders accept 12-24 months of bank statements instead of tax returns — useful if your filed income looks thin on paper.
Foreign National loans are the closest alternative. But those are for buyers without U.S. residency or tax history. If you live and work here, ITIN is the stronger path.
Bank Statement loans overlap with ITIN programs at some lenders. If you're self-employed and have an ITIN, you may qualify under either — or a hybrid of both.
San Francisco property values are high. As of April 2026, that means ITIN borrowers need significant cash reserves to compete here. Expect to document at least 6-12 months of payments in the bank.
San Francisco County has no unincorporated areas — every purchase is city property. That matters for lien searches and title, but not for ITIN eligibility itself.
Yes, with the right non-QM lender. You need two years of tax returns filed under your ITIN and a qualifying credit score.
Not with an ITIN loan. Lenders in the non-QM space accept ITINs as the primary borrower identifier.
Most lenders want 620 or above. Some go lower, but expect a higher down payment requirement to offset the risk.
Plan for 20-25% minimum. Higher down payments also help you access better rates. Rates vary by borrower profile and market conditions.
Some lenders allow it, especially for self-employed borrowers. Not all ITIN programs offer this — it depends on the lender.
No. This is strictly a non-QM product. You need a broker with access to wholesale and portfolio lenders.