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San Jose has one of the largest immigrant populations in California. Many residents here earn solid 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.
Alt credit accepted
Credit Approach
No — ITIN only
SSN Required?
10–20% typical
Down Payment
2 years U.S. returns
Tax History Needed
Non-QM
Loan Type
ITIN Loans in San Jose
You need a valid ITIN, a two-year history of filing U.S. taxes, and enough income to support the payment. Lenders want to see stability.
Most ITIN lenders require 10–20% down. Your credit profile matters too — some lenders build credit history from alternative sources like rent and utilities.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in San Jose.
San Jose has one of the largest immigrant populations in California. Many residents here earn solid 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, a two-year history of filing U.S. taxes, and enough income to support the payment. Lenders want to see stability.
ITIN loans are non-QM products. That means your bank or credit union probably won't offer one. You need a wholesale lender that specializes in this space.
SRK CAPITAL works with 200+ wholesale lenders. Several of them actively write ITIN loans in Santa Clara County. We know which ones price competitively here.
The biggest mistake ITIN borrowers make is assuming they can't buy. Many can. The documentation requirements are different, not harder.
Bring 12–24 months of bank statements and your last two years of tax returns. The cleaner your paper trail, the smoother your approval.
Foreign National loans are different from ITIN loans. Foreign Nationals typically don't file U.S. taxes. ITIN borrowers do — that's a meaningful distinction.
Bank Statement loans can overlap for self-employed ITIN borrowers. We often pair both qualification methods to find the strongest approval path.
San Jose's tech economy draws workers from across the globe. Many are here on visas or in the process of adjusting status — ITIN loans serve this group well.
Home prices in Santa Clara County are among the highest in the state. You'll need strong income documentation to support loan amounts in this market.
Yes. ITIN loans are built for this. You don't need an SSN to qualify, but you do need a valid ITIN and U.S. tax history.
No. ITIN loans are specifically designed for non-citizens. Citizenship status is not a qualifying factor.
Most lenders require 10–20% down. The exact amount depends on the lender and your overall borrower profile.
Yes, typically. ITIN loans are non-QM products and carry higher rates than conventional loans. Rates vary by borrower profile and market conditions.
Bring your ITIN, two years of U.S. tax returns, and 12–24 months of bank statements. Additional docs may apply depending on the lender.
Yes. Self-employed ITIN borrowers are common. Bank statements can be used alongside tax returns to document income.