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Lodi has a large immigrant community with deep roots in agriculture and small business. Many of these residents earn solid incomes but don't have a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number instead. It's a non-QM loan — outside standard agency guidelines — but very real and widely used.
Varies by lender
Min Credit Score
No — ITIN accepted
SSN Required?
10–20% typical
Down Payment
2 years U.S. filing
Tax Returns Required
Non-QM / Portfolio
Loan Type
ITIN Loans in Lodi
You need a valid ITIN, at least two years of U.S. tax returns, and a credit profile — either traditional or alternative. Lenders want to see you've paid bills consistently.
Most lenders require 10–20% down. The stronger your down payment, the more lenders will compete for your loan.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Lodi.
Lodi has a large immigrant community with deep roots in agriculture and small business. Many of these residents earn solid incomes but don't have a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number instead. It's a non-QM loan — outside standard agency guidelines — but very real and widely used.
You need a valid ITIN, at least two years of U.S. tax returns, and a credit profile — either traditional or alternative. Lenders want to see you've paid bills consistently.
Big banks don't touch ITIN loans. This is a wholesale and portfolio lender market — and that's exactly where we work.
We have access to 200+ wholesale lenders. A handful specialize in ITIN programs with competitive pricing. We know which ones move fast and which ones stall.
The biggest mistake we see: borrowers assuming their ITIN is the problem. Usually it's not. Thin credit files or undocumented income create more friction.
If you're self-employed, bank statement loans can pair well with ITIN qualification. We run both scenarios and pick the one that gets you better terms.
Foreign National loans are for non-residents. ITIN loans are for people living and working in the U.S. — that's a key difference lenders care about.
Community Mortgages and Bank Statement loans are worth comparing too. Some borrowers qualify for more than one program. The right pick depends on your income documentation.
San Joaquin County has a substantial Spanish-speaking population, and Lodi's workforce is heavily tied to agriculture, warehousing, and small retail. ITIN borrowers here often have consistent seasonal or year-round income.
As of April 2026, Lodi remains more affordable than the Bay Area — giving ITIN borrowers a realistic path to ownership without stretching into jumbo territory.
Yes. You need a valid ITIN, documented income, and a down payment. A Social Security number is not required for ITIN loan programs.
No. ITIN loans are designed for non-citizen residents. You must live and work in the U.S., but citizenship is not a requirement.
Most lenders want 10–20% down. A larger down payment often means better rates and more lender options. Rates vary by borrower profile and market conditions.
Some lenders accept alternative credit — rent, utility, and phone payment history. Having 12–24 months of on-time payments helps significantly.
Yes, typically. ITIN loans are non-QM, so rates run higher than conforming loans. Rates vary by borrower profile and market conditions.
Absolutely. Bank statement income documentation works well for self-employed ITIN borrowers. Two years of statements is the standard ask.