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Guadalupe sits in Santa Barbara County with a large working immigrant population. Many residents earn steady incomes but don't have a Social Security number.
ITIN loans exist for exactly this situation. You use your Individual Taxpayer Identification Number to qualify instead of an SSN.
Varies by lender
Min Credit Score
10–20% typical
Down Payment
2 years with ITIN
Tax Returns Required
60 days minimum
Fund Seasoning
ITIN Loans in Guadalupe
Lenders want to see 2 years of tax returns filed with your ITIN. Consistent income and a clean payment history matter most.
Most lenders require 10-20% down for ITIN loans. Credit history can be thin — some lenders accept alternative credit like rent and utility payments.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Guadalupe.
Guadalupe sits in Santa Barbara County with a large working immigrant population. Many residents earn steady incomes but don't have a Social Security number.
ITIN loans exist for exactly this situation. You use your Individual Taxpayer Identification Number to qualify instead of an SSN.
Lenders want to see 2 years of tax returns filed with your ITIN. Consistent income and a clean payment history matter most.
ITIN loans are non-QM products. That means big banks won't touch them — you need a broker with access to specialty wholesale lenders.
We work with 200+ wholesale lenders at SRK CAPITAL. Several specialize in ITIN programs built specifically for California borrowers.
The biggest mistake ITIN borrowers make is waiting. Two years of filed returns is the baseline — start building that record now if you haven't.
Down payment sourcing matters too. Lenders will ask where your funds came from. Keep your money in a US bank account for at least 60 days before applying.
Foreign National loans are the closest alternative. But those require a foreign passport and often larger down payments — sometimes 30% or more.
Bank Statement loans are another option if you're self-employed. They don't require tax returns, but most still want an SSN. ITIN loans are the cleaner path for tax-filing immigrants.
Guadalupe has a high share of agricultural and service workers who file taxes with ITINs. This loan type is genuinely relevant here — not a niche product.
Santa Barbara County homes can move fast in desirable pockets. Getting pre-approved before you shop puts you in a much stronger position.
Yes. ITIN loans let you qualify using your IRS taxpayer ID. You'll need two years of filed returns and a solid payment history.
Most lenders require 10-20% down. A larger down payment can help offset a thin credit file.
Yes, typically. ITIN loans are non-QM products, so rates run higher. Rates vary by borrower profile and market conditions.
You'll need 2 years of ITIN tax returns, proof of income, bank statements, and a valid ITIN letter from the IRS.
Some lenders will count documented rental income. It needs to appear on your tax returns consistently for at least two years.
You need an active, valid ITIN to close a loan. Renew it with the IRS first — processing can take several weeks.