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South San Francisco sits in one of California's tightest housing markets. Peninsula prices push many borrowers into non-traditional loan programs.
ITIN loans let you qualify without a Social Security number. San Mateo County has strong demand from immigrant entrepreneurs and tech workers on work visas.
ITIN Loans in South San Francisco
You need an ITIN, proof of income, and typically 15-25% down. Most lenders want 620+ credit and two years of U.S. tax returns.
Income can come from W-2s, 1099s, or business returns. Self-employed borrowers often use bank statements instead of tax returns to show cash flow.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in South San Francisco.
South San Francisco sits in one of California's tightest housing markets. Peninsula prices push many borrowers into non-traditional loan programs.
ITIN loans let you qualify without a Social Security number. San Mateo County has strong demand from immigrant entrepreneurs and tech workers on work visas.
You need an ITIN, proof of income, and typically 15-25% down. Most lenders want 620+ credit and two years of U.S. tax returns.
Not all lenders offer ITIN loans. We work with specialty non-QM lenders who underwrite these deals daily.
Some lenders recently started accepting cryptocurrency assets for reserves and income qualification. This helps tech workers with stock or crypto holdings who lack traditional income proof.
ITIN borrowers in South San Francisco often hit the same wall: their income qualifies but their down payment barely covers the minimum. Asset depletion can help if you have reserves but low reported income.
I see deals die when borrowers wait too long to gather documents. Start collecting tax returns and bank statements two months before you shop.
Foreign national loans need larger down payments but skip U.S. credit and tax history. Bank statement loans work better if you own a business and your tax returns understate income.
ITIN loans suit W-2 earners with steady pay and moderate down payments. You pay more than conventional but less than hard money.
San Mateo County appraisals move fast but condos face strict condo questionnaire reviews. Budget extra time if you're buying a condo.
South San Francisco borders Daly City and San Bruno. Price differences across city lines can change your down payment math by $50K or more.
Yes. Some lenders accept 15% down with strong credit and reserves. Expect higher rates below 20%.
No. These are portfolio loans without mortgage insurance. Your rate covers the lender's risk.
Plan for 30-45 days. Document review takes longer than conventional loans.
Yes. You'll need two years of business tax returns or 12-24 months of bank statements.
Rates vary by borrower profile and market conditions. Expect 1-2% above conventional rates as of February 2026.