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Saratoga sits in one of the most expensive zip codes in Santa Clara County. Buying here takes serious financing — and ITIN borrowers have real options.
Silicon Valley draws global talent. Many residents here file taxes with an ITIN, not a Social Security number. That doesn't disqualify you from homeownership.
620–660 typical
Min Credit Score
15–20% min
Down Payment
6–12 months
Reserves Required
2 years ITIN returns
Tax Filing History
Non-QM
Loan Type
ITIN Loans in Saratoga
You need a valid ITIN, two years of tax returns filed under that ITIN, and a credit profile. Some lenders build credit history from foreign accounts.
Down payments typically start at 15-20% for ITIN loans. Higher down payments often get you better rates. Reserves matter too — lenders want to see 6-12 months of payments in the bank.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Saratoga.
Saratoga sits in one of the most expensive zip codes in Santa Clara County. Buying here takes serious financing — and ITIN borrowers have real options.
Silicon Valley draws global talent. Many residents here file taxes with an ITIN, not a Social Security number. That doesn't disqualify you from homeownership.
You need a valid ITIN, two years of tax returns filed under that ITIN, and a credit profile. Some lenders build credit history from foreign accounts.
Big banks won't touch ITIN loans. This is a non-QM product — meaning you need a wholesale lender who specializes in it.
We work with 200+ wholesale lenders. A handful of them do ITIN loans well. Rates vary by borrower profile and market conditions, but expect a premium over conventional pricing.
The biggest issue I see: borrowers who've been filing taxes correctly for years but never built a U.S. credit profile. Start there before you apply.
Some ITIN lenders will use 12 months of bank statements instead of tax returns. If your income looks better on statements, that path may work better for you.
Foreign National loans are the closest alternative. But they typically require larger down payments and no U.S. tax history. If you file U.S. taxes, ITIN is the stronger path.
Bank Statement loans overlap here too. If you're self-employed with an ITIN, some lenders combine both programs. That can open more options at competitive pricing.
Saratoga's price points push most purchases into jumbo territory. ITIN jumbo loans exist — but the lender pool shrinks fast. Expect more documentation scrutiny.
Santa Clara County has a dense immigrant professional community. ITIN borrowers here are often tech workers, business owners, or investors with strong financials. Lenders know this profile.
Yes. Non-QM lenders accept an ITIN in place of a Social Security number. You'll need tax returns, credit history, and a solid down payment.
Most lenders require 15-20% down. Larger down payments reduce your rate and improve approval odds.
Most lenders require one. Some accept foreign credit history as a substitute. Start building U.S. credit early if you don't have it.
Yes. ITIN loans are non-QM products and carry a rate premium. Rates vary by borrower profile and market conditions.
Yes, but ITIN jumbo loans have fewer lenders. Expect tighter requirements and more documentation for high-balance purchases.
Some lenders offer bank statement ITIN loans for self-employed borrowers. This skips tax return income calculations entirely.