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Davis has a large international community tied to UC Davis. Many residents earn solid incomes but hold ITINs instead of Social Security numbers.
ITIN loans exist specifically for this gap. You don't need a SSN to buy a home in Davis — you need the right loan program.
Varies by lender
Min Credit Score
15–20% typical
Down Payment
2 years ITIN returns
Tax Filing Required
Non-QM
Loan Type
Allow extra lead time
Prep Time
ITIN Loans in Davis
You'll need a valid ITIN and at least two years of tax returns filed under that number. Lenders want to see consistent income history.
Most ITIN programs require 15–20% down. Credit history is evaluated, but foreign credit can sometimes be used if domestic history is thin.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Davis.
Davis has a large international community tied to UC Davis. Many residents earn solid incomes but hold ITINs instead of Social Security numbers.
ITIN loans exist specifically for this gap. You don't need a SSN to buy a home in Davis — you need the right loan program.
You'll need a valid ITIN and at least two years of tax returns filed under that number. Lenders want to see consistent income history.
Big banks don't offer ITIN loans. These come from non-QM wholesale lenders — a space most retail loan officers never touch.
As a broker, we access 200+ wholesale lenders. We know which ones have competitive ITIN programs and which ones bury borrowers in extra fees.
The most common mistake I see: borrowers apply at a bank, get denied, and assume homeownership isn't possible. That's wrong.
ITIN files take more prep time. Get your tax transcripts ordered early. Lenders will pull IRS records directly — gaps cause delays.
Foreign National loans are for buyers without U.S. tax filing history at all. ITIN loans require U.S.-filed returns — that's the key split.
Bank Statement loans verify income via deposits, not tax returns. If your ITIN returns show low net income, that program may fit better.
Davis draws researchers, professors, and graduate students from around the world. Many have strong, stable incomes — just no SSN.
Yolo County has relatively lower price points than nearby Sacramento suburbs. That helps ITIN borrowers stretch their down payment further.
Most lenders require two years of ITIN-filed returns. One year of history usually isn't enough to establish the income pattern lenders need.
Yes, ITIN loans are non-QM products and carry higher rates than conventional financing. Rates vary by borrower profile and market conditions.
Visa type matters to some lenders. Permanent residents and long-term visa holders generally have more options than those on short-term status.
Some lenders allow it with proper documentation. You'll need a lease agreement and typically two years of reported rental income on your returns.
Yes. A co-borrower with a SSN can be added. This can strengthen the file, though the ITIN borrower's income still needs to be documented.