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Lathrop sits in San Joaquin County, where a large share of residents are immigrants building financial roots here.
Many have steady income and solid savings but no Social Security number. ITIN loans exist exactly for that situation.
620+
Min Credit Score
10-20%
Down Payment
12-24 months
Income History
No — ITIN accepted
SSN Required?
Non-QM
Loan Category
ITIN Loans in Lathrop
You qualify using your Individual Taxpayer Identification Number — the 9-digit number the IRS issues to non-citizens.
Most lenders want 12-24 months of bank statements or tax returns, a 620+ credit score, and 10-20% down.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Lathrop.
Lathrop sits in San Joaquin County, where a large share of residents are immigrants building financial roots here.
Many have steady income and solid savings but no Social Security number. ITIN loans exist exactly for that situation.
You qualify using your Individual Taxpayer Identification Number — the 9-digit number the IRS issues to non-citizens.
Big banks almost never offer ITIN loans. This is a non-QM product, which means wholesale and portfolio lenders.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in ITIN programs for California borrowers.
The most common mistake: applying with only one year of tax returns. Two years is stronger — plan ahead.
We also see denials from borrowers using an expired ITIN. Renew it before you apply. That detail kills deals.
ITIN loans and Foreign National loans are not the same. Foreign Nationals live abroad. ITIN borrowers live here.
Bank Statement loans can overlap — some ITIN borrowers also qualify via bank statements instead of tax returns.
Lathrop has grown fast. New construction is common, and many sellers here accept ITIN buyers without issue.
San Joaquin County's workforce includes many ITIN holders in agriculture, logistics, and construction. This loan was built for that reality.
Yes. You don't need a Social Security number. A valid ITIN, steady income history, and sufficient down payment are the core requirements.
Most lenders want 620 or higher. A stronger score — 680 or above — gets you better rates. Rates vary by borrower profile and market conditions.
Plan for 10-20% down. Some programs allow 10%, but 20% down often improves your rate and approval odds significantly.
Yes, typically. ITIN is a non-QM product, so rates run higher. Rates vary by borrower profile and market conditions.
Absolutely. Adding a co-borrower with a SSN and strong credit can strengthen your file and improve the terms you're offered.
Expect to provide your ITIN, 12-24 months of bank statements or tax returns, proof of employment, and ID. Your broker will give you a full list.