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Mountain View has one of the highest immigrant populations in Santa Clara County. Many residents earn strong 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.
620–660
Min Credit Score
15–20%
Min Down Payment
2 Years (ITIN)
Tax Returns Required
Non-QM
Program Type
ITIN Loans in Mountain View
You need a valid ITIN and at least two years of tax returns filed with it. Lenders want to see consistent income and a real credit history.
Most lenders require a 620–660 minimum credit score. Down payments typically start at 15–20% for ITIN borrowers.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Mountain View.
Mountain View has one of the highest immigrant populations in Santa Clara County. Many residents earn strong 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.
You need a valid ITIN and at least two years of tax returns filed with it. Lenders want to see consistent income and a real credit history.
ITIN loans are non-QM — meaning your bank won't offer them. You need a wholesale lender that specifically underwrites this program.
SRK CAPITAL works with 200+ wholesale lenders. We know which ones price ITIN loans competitively and which ones to avoid.
The biggest mistake ITIN borrowers make: waiting too long to build a credit file. Open a secured card and a credit-builder loan now.
Some lenders will use alternative credit — rent history, utility payments, phone bills. Not all will. Ask before you assume.
Foreign National loans are a close cousin to ITIN loans, but they're built for non-residents. ITIN borrowers typically live and work here full-time.
Bank Statement loans can pair well if you're self-employed. Some lenders let ITIN borrowers qualify on 12–24 months of bank statements instead of tax returns.
Mountain View home prices are high. As of April 2026, you'll need significant reserves to meet lender requirements in this market.
Santa Clara County's tech economy means many ITIN borrowers here are contractors or small business owners. Self-employment adds a layer to underwriting — plan for it.
Yes. ITIN loans are designed for this. You don't need an SSN — just a valid ITIN and qualifying income and credit.
Most lenders want 620–660 minimum. Higher scores improve your rate. Rates vary by borrower profile and market conditions.
Expect 15–20% down minimum. Some lenders require more depending on credit score and loan amount.
Yes, typically higher than conventional loans. They're non-QM products. Rates vary by borrower profile and market conditions.
Some lenders allow it. You'll need documented rental history. Not every ITIN lender accepts rental income — ask up front.
No. Community Mortgages are a separate program with different guidelines. Both may work for ITIN borrowers — the right fit depends on your profile.