Loading
Loading
Yreka sits in Siskiyou County near the Oregon border. Home prices here run well below California's coastal averages.
That affordability makes ITIN loans a real path to ownership. Borrowers without a Social Security number can still qualify.
620 (typical)
Min Credit Score
No — ITIN accepted
SSN Required?
15-20%
Min Down Payment
12-24 months
Tax History Needed
Non-QM
Loan Type
ITIN Loans in Yreka
An ITIN is a tax ID issued by the IRS to people who can't get a Social Security number. Lenders use it to verify your identity and tax history.
Most ITIN lenders want 12-24 months of tax returns or bank statements. Down payments typically start at 15-20%.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Yreka.
Yreka sits in Siskiyou County near the Oregon border. Home prices here run well below California's coastal averages.
That affordability makes ITIN loans a real path to ownership. Borrowers without a Social Security number can still qualify.
An ITIN is a tax ID issued by the IRS to people who can't get a Social Security number. Lenders use it to verify your identity and tax history.
Big banks don't touch ITIN loans. This is non-QM territory — specialty wholesale lenders handle these programs.
SRK CAPITAL works with 200+ wholesale lenders. We find the ones who actually fund ITIN deals in rural California counties.
The biggest deal-killer I see is inconsistent tax filing. Lenders want to see you filed every year — gaps raise red flags fast.
Strong bank statements can offset thin credit history. Two years of clean deposits tells a lender more than a score alone.
Foreign National loans are a cousin product — but they target buyers who don't live in the US. ITIN loans are built for US residents.
Bank Statement loans overlap in documentation style. But ITIN loans specifically address the no-SSN situation those programs don't solve.
Yreka's rural designation matters. Some ITIN lenders limit rural or low-population zip codes — not all programs apply here.
Siskiyou County has a meaningful agricultural workforce. Many of those workers are exactly who ITIN loans were built for.
Yes. ITIN loans are designed for this. You need a valid IRS-issued ITIN and documented income history.
Most want at least 620. Some specialty lenders go lower with a larger down payment or strong reserves.
Yes. Rates are higher because these are non-QM products. Rates vary by borrower profile and market conditions.
Lenders don't verify immigration status for ITIN loans. They verify your identity, income, and tax history.
Limits vary by lender, not a federal cap. Most programs go up to conforming loan limits or higher on a case-by-case basis.
Expect 30-45 days. Non-QM lenders move slower than conventional. Having documents ready up front speeds things up.