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Campbell sits in the heart of Santa Clara County. It draws a large immigrant workforce tied to Silicon Valley's tech and service economy.
Many residents here earn solid incomes but hold an ITIN instead of an SSN. That does not disqualify you from homeownership.
Alternative OK
Min Credit Profile
No — ITIN Only
SSN Required?
10–20% Typical
Down Payment
2 Years ITIN Filed
Tax Returns Needed
Non-QM / Portfolio
Loan Type
ITIN Loans in Campbell
You need a valid ITIN and at least two years of U.S. tax returns filed under it. Lenders want to see consistent income history.
Most ITIN programs require 10–20% down and a minimum credit profile. Some lenders accept alternative credit like rent and utility payment history.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Campbell.
Campbell sits in the heart of Santa Clara County. It draws a large immigrant workforce tied to Silicon Valley's tech and service economy.
Many residents here earn solid incomes but hold an ITIN instead of an SSN. That does not disqualify you from homeownership.
You need a valid ITIN and at least two years of U.S. tax returns filed under it. Lenders want to see consistent income history.
Big banks mostly pass on ITIN loans. This is a non-QM product, and it lives in the wholesale and portfolio lender space.
We work with 200+ wholesale lenders at SRK CAPITAL. A meaningful number of them actively fund ITIN loans in California.
The biggest mistake ITIN borrowers make: waiting too long to file taxes under their ITIN. Two clean years of returns open far more doors.
Down payment source matters here. Lenders scrutinize gift funds closely on ITIN files. Seasoned funds in your own account close faster.
Foreign National loans are similar but built for non-residents. ITIN loans are designed for people living and working in the U.S. full time.
Bank Statement loans overlap with ITIN programs if you're self-employed. Some lenders let you combine ITIN identity docs with bank statement income.
Campbell home prices reflect the broader South Bay premium. You'll need a solid down payment — this is not a low-cost market.
Santa Clara County has no shortage of ITIN-eligible buyers competing for limited inventory. Being pre-approved gives you a real edge.
Yes. ITIN loans are built for exactly this situation. You need a valid ITIN and a documented income history.
Most lenders want two years of U.S. tax returns filed under your ITIN. One year may work with strong compensating factors.
Yes. ITIN loans are non-QM products, so rates run higher. Rates vary by borrower profile and market conditions.
Some lenders allow it. Two- to four-unit properties are possible, but expect stricter reserve and down payment requirements.
Some ITIN lenders accept alternative credit — rent history, utility bills, insurance payments. Not all do, so lender selection matters.
No. ITIN loans are designed for non-citizens living and working in the U.S. Citizenship is not a requirement.