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Woodlake has a large immigrant community. Many residents earn steady income but don't have a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number instead. You can still buy a home here without an SSN.
620+
Typical Min Credit Score
No — ITIN accepted
SSN Required?
10-20%
Min Down Payment
24 months
Income History Needed
ITIN Loans in Woodlake
You need a valid ITIN issued by the IRS. Lenders also want to see at least two years of consistent income history.
Most lenders require 12-24 months of bank statements or tax returns. Down payment requirements typically run higher than conventional loans.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Woodlake.
Woodlake has a large immigrant community. Many residents earn steady income but don't have a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number instead. You can still buy a home here without an SSN.
You need a valid ITIN issued by the IRS. Lenders also want to see at least two years of consistent income history.
Big banks won't touch ITIN loans. These are non-QM products held by portfolio lenders and private investors.
We work with 200+ wholesale lenders. That reach matters — ITIN programs vary significantly between lenders.
The biggest mistake ITIN borrowers make is waiting. Two years of US tax filing history strengthens your file fast.
Some lenders accept international credit reports from Mexico or other countries. Ask specifically — most borrowers don't know this is possible.
Foreign National loans are another option if you live abroad. But if you live and work in Woodlake, ITIN loans fit better.
Bank Statement loans solve an income-documentation problem. ITIN loans solve an identification problem — different issue, different product.
Tulare County's agricultural economy means many ITIN borrowers have seasonal income. Lenders need to see income averaged across full years.
Property prices in Woodlake are more accessible than coastal California. That makes the higher down payment requirement more manageable here.
Yes. ITIN loans are specifically designed for this. You don't need an SSN to qualify or close.
Most ITIN programs require 10-20% down. A stronger credit profile or more reserves can sometimes lower that.
Some lenders accept foreign credit reports, especially from Mexican bureaus. Others build a file from utility and rent payment history.
Yes. Non-QM products carry more risk for lenders. Rates vary by borrower profile and market conditions.
Expect to provide your ITIN card, 12-24 months of bank statements or tax returns, and proof of employment or self-employment income.
Yes, but lenders average income across 24 months. Gaps in employment must be explained and documented clearly.