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Modesto has a large immigrant community. Many residents work, pay taxes, and build lives here without a Social Security number.
An ITIN — Individual Taxpayer Identification Number — is issued by the IRS. Lenders who accept ITINs treat it like a borrower ID for qualification.
620 (typical)
Min Credit Score
10–20%
Down Payment
No — ITIN accepted
SSN Required?
2 years typical
Tax Return History
ITIN Loans in Modesto
You need a valid ITIN, a credit history, and documented income. Some lenders build a credit file from rent, utility, and phone payment records.
Down payments typically run 10–20%. The stronger your file, the lower your down payment requirement will be.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Modesto.
Modesto has a large immigrant community. Many residents work, pay taxes, and build lives here without a Social Security number.
An ITIN — Individual Taxpayer Identification Number — is issued by the IRS. Lenders who accept ITINs treat it like a borrower ID for qualification.
You need a valid ITIN, a credit history, and documented income. Some lenders build a credit file from rent, utility, and phone payment records.
Most banks won't touch ITIN loans. Credit unions do some, but their programs are limited. Non-QM wholesale lenders are where these deals actually get done.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in ITIN programs with competitive terms for Modesto borrowers.
The biggest mistake ITIN borrowers make is waiting. Every year you rent, you're building someone else's equity.
File strength matters more here than on a conventional loan. Clean tax returns, steady income, and on-time rent payments move the needle fast.
Foreign National loans are for buyers without US residency. ITIN loans are for residents who live and work here and pay US taxes.
Bank Statement loans work if you're self-employed with strong deposits. ITIN loans can overlap — some programs accept both ITINs and bank statement income.
Stanislaus County has a strong agricultural workforce. Many ITIN borrowers here are farm workers, small business owners, or tradespeople with solid income.
Modesto home prices are more accessible than coastal California. That makes the 10–20% down payment more achievable for first-time ITIN buyers here.
Yes. Non-QM lenders accept ITINs in place of SSNs. You still need income documentation, down payment funds, and some credit history.
No. ITIN loans are designed for non-citizens who file US taxes. Legal residency status requirements vary by lender.
Many lenders want a 620 or higher. Some accept alternative credit if you lack a scored profile — rent and utility history can help.
Plan for 10–20% down. Stronger borrower files may qualify for the lower end of that range.
Yes, typically. ITIN loans are non-QM products and carry more lender risk. Rates vary by borrower profile and market conditions.
Absolutely. Self-employed ITIN borrowers are common in this market. Tax returns or bank statements are used to document income.