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Dinuba sits in the heart of Tulare County's agricultural economy. Many residents here are self-employed, seasonal workers, or business owners without a Social Security number.
ITIN loans exist for exactly this borrower. If you have an Individual Taxpayer Identification Number and pay taxes, you can qualify for a mortgage.
No — ITIN accepted
SSN Required?
600–640 (varies)
Min Credit Score
10–20%
Min Down Payment
2 years required
Tax Return History
Non-QM
Loan Type
ITIN Loans in Dinuba
You need a valid ITIN and a history of filing U.S. tax returns. Most lenders want two years of returns and proof of steady income.
Credit requirements vary by lender. Some accept scores as low as 600. Others want 640 or higher. Down payments typically start at 10-20%.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Dinuba.
Dinuba sits in the heart of Tulare County's agricultural economy. Many residents here are self-employed, seasonal workers, or business owners without a Social Security number.
ITIN loans exist for exactly this borrower. If you have an Individual Taxpayer Identification Number and pay taxes, you can qualify for a mortgage.
You need a valid ITIN and a history of filing U.S. tax returns. Most lenders want two years of returns and proof of steady income.
Banks rarely offer ITIN loans. This is a non-QM product, meaning it lives in the wholesale and private lending world.
At SRK CAPITAL, we work with 200+ wholesale lenders. We find the ones who actually know ITIN guidelines — not just those who claim to.
The biggest mistake ITIN borrowers make is waiting. Your tax history builds the case for your loan. Two strong years of returns beats a high credit score every time.
Self-employed in Dinuba? Pair your ITIN with bank statements. Some lenders will use 12-24 months of deposits instead of tax returns to qualify your income.
ITIN loans are non-QM, so rates run higher than conventional. That's the trade-off for qualifying without an SSN. The gap narrows as your credit and down payment improve.
Foreign National loans are a related option — but those are harder to qualify for and require larger down payments. ITIN loans are built for residents who live and work here.
Dinuba's workforce is heavily tied to agriculture and small business ownership. That means variable income, cash-heavy businesses, and non-traditional documentation.
These factors actually work in your favor with the right lender. ITIN programs are designed for exactly this income profile. The key is finding the lender who gets it.
Yes. A valid ITIN, two years of tax returns, and a sufficient down payment can qualify you. No SSN required.
Yes, they run higher than conventional loans. Better credit and a larger down payment help reduce that gap. Rates vary by borrower profile and market conditions.
Expect to provide your ITIN, two years of tax returns, bank statements, and proof of income. Requirements vary by lender.
Absolutely — self-employed is one of the most common borrower profiles for ITIN loans. Bank statements can substitute for tax returns with some lenders.
Most ITIN programs require 10-20% down. More down can improve your rate and offset stricter lender guidelines.
No. ITIN loans are for U.S. residents who pay taxes here. Foreign National loans are for non-residents — they require larger down payments and have stricter terms.