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Fillmore has a large immigrant community. Many residents here earn steady income but don't have a Social Security number.
ITIN loans — mortgages for borrowers with an Individual Taxpayer Identification Number — fill that gap. You don't need citizenship or a green card to qualify.
No — ITIN accepted
SSN Required?
10-20% typical
Min Down Payment
12-24 months
Income History
Foreign credit OK
Credit Evaluation
Non-QM
Loan Type
Lenders want to see 12-24 months of consistent income. That can come from self-employment, wages, or a mix of both.
Most ITIN programs require a 10-20% down payment. Credit history is evaluated, but foreign credit can sometimes count.
ITIN loans are non-QM — they don't follow Fannie Mae or Freddie Mac rules. Most banks won't touch them.
Wholesale lenders that specialize in non-QM products are where these deals get done. That's exactly where SRK CAPITAL shops.
The most common mistake I see: borrowers apply at a big bank and get denied, then assume they can't buy. That's wrong.
ITIN borrowers often have strong cash flow and real assets. The right lender sees that. The wrong one just sees no SSN.
Foreign National loans are similar but designed for buyers who live outside the US. If you live in Fillmore, ITIN is the better fit.
Bank Statement loans can pair well with ITIN programs for self-employed borrowers who can't show standard W-2 income.
Fillmore sits in eastern Ventura County, where home prices are lower than coastal cities like Ventura or Oxnard.
That relative affordability works in ITIN borrowers' favor. Lower purchase prices mean smaller down payments and easier qualification thresholds.
Yes. ITIN loans are built for exactly this situation. You need income documentation, a down payment, and a valid ITIN.
No. ITIN loans don't require any immigration status. Lenders care about income and repayment ability, not citizenship.
Expect 12-24 months of bank statements or tax returns, proof of your ITIN, and employment or self-employment records.
Yes, typically. Non-QM products carry more lender risk. Rates vary by borrower profile and market conditions.
Some lenders allow it. Documented rental income with a lease agreement often counts toward your qualifying income.
ITIN Loans in Fillmore