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Goleta sits just west of Santa Barbara, with a strong mix of university workers, tech employees, and longtime immigrant families. Many of these residents earn good money but don't have a Social Security number.
ITIN loans — home loans using your Individual Taxpayer Identification Number — exist for exactly this buyer. No SSN required. No citizenship requirement.
620 (typical)
Min Credit Score
20–25%
Down Payment
2 Years (ITIN)
Tax Returns Required
Non-QM
Loan Category
ITIN Loans in Goleta
You need a valid ITIN issued by the IRS, plus two years of tax returns filed under that ITIN. Lenders want to see consistent income and a real paper trail.
Most lenders require a credit score of 620 or higher. Some will go lower with a larger down payment — typically 20% to 25% down is standard for this loan type.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Goleta.
Goleta sits just west of Santa Barbara, with a strong mix of university workers, tech employees, and longtime immigrant families. Many of these residents earn good money but don't have a Social Security number.
ITIN loans — home loans using your Individual Taxpayer Identification Number — exist for exactly this buyer. No SSN required. No citizenship requirement.
You need a valid ITIN issued by the IRS, plus two years of tax returns filed under that ITIN. Lenders want to see consistent income and a real paper trail.
ITIN loans are non-QM — that means most big banks won't touch them. You won't find this at Chase or Wells Fargo. These come from specialty wholesale lenders.
That's where working with a broker pays off. We have access to 200+ wholesale lenders, including several that specialize in ITIN programs. Rates vary by borrower profile and market conditions.
The biggest mistake ITIN borrowers make is waiting. They assume homeownership isn't available to them. It is — but you need your documents in order first.
Get two years of ITIN tax returns filed before you apply. Lenders need to see consistent, documented income. Gaps or late filings slow everything down.
If you have foreign income or assets but no U.S. credit history, a Foreign National Loan may be a better fit. ITIN loans work best when you live and earn income in the U.S.
Bank Statement Loans are another option if your tax returns don't show full income. Some ITIN borrowers use bank statements instead of returns to qualify.
Goleta home prices run high. Santa Barbara County is an expensive market, and that means your loan amount needs to be realistic for what ITIN programs allow.
Most ITIN lenders cap loan amounts below jumbo thresholds. If you're targeting a higher-priced property, discuss loan limits with your broker before you start shopping.
Yes. ITIN loans don't require a Social Security number or U.S. citizenship. You need a valid ITIN, two years of tax returns, and enough down payment.
Most lenders want 620 or higher. A larger down payment can sometimes offset a lower score, but don't count on it.
Plan for 20% to 25% down. Some programs allow less, but most ITIN lenders stay in this range to manage their risk.
Yes, typically. Non-QM loans carry higher rates than conventional loans. Rates vary by borrower profile and market conditions.
Some lenders allow it, but it needs to be documented on your tax returns. Undocumented rental income won't count toward qualification.
No. ITIN loans are designed for borrowers without SSNs, including visa holders and undocumented residents who file U.S. taxes.