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Wheatland is a small Yuba County town with real homeownership demand. Many residents here work, pay taxes, and build lives — but don't have a Social Security number.
ITIN loans exist for exactly this situation. If the IRS issued you an Individual Taxpayer Identification Number, you can use it to qualify for a mortgage.
Traditional or Alt
Credit Approach
No — ITIN accepted
SSN Required
10–20% typical
Down Payment
2 years minimum
Tax Return History
Non-QM
Loan Type
ITIN Loans in Wheatland
You'll need a valid ITIN and at least two years of tax returns filed under that number. Lenders want to see consistent income and stable employment history.
Most ITIN lenders require 10–20% down. Credit history is evaluated, but some lenders accept non-traditional credit like rent and utility payment records.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Wheatland.
Wheatland is a small Yuba County town with real homeownership demand. Many residents here work, pay taxes, and build lives — but don't have a Social Security number.
ITIN loans exist for exactly this situation. If the IRS issued you an Individual Taxpayer Identification Number, you can use it to qualify for a mortgage.
You'll need a valid ITIN and at least two years of tax returns filed under that number. Lenders want to see consistent income and stable employment history.
ITIN loans are non-QM products. That means most big banks won't touch them. You need a broker with access to wholesale non-QM lenders — not a retail bank branch.
SRK CAPITAL works with 200+ wholesale lenders, including non-QM shops that actively approve ITIN borrowers. Rate options vary. Rates vary by borrower profile and market conditions.
The biggest mistake ITIN borrowers make is assuming they can't qualify. They can — the documentation just looks different than a standard W-2 file.
Bring two years of tax returns, 12 months of bank statements, and any lease history you have. The stronger your paper trail, the better your terms.
Foreign National loans are for non-residents buying investment property. ITIN loans are built for residents — people living and working here who plan to own their home.
Bank Statement loans overlap with ITIN programs for self-employed borrowers. If you're self-employed with an ITIN, some lenders offer hybrid programs covering both needs.
Wheatland's lower price points compared to Sacramento-area suburbs make it a realistic first purchase for ITIN borrowers. Down payment requirements are easier to meet here.
Yuba County has a working-class population with significant immigrant homeownership interest. ITIN lending is underutilized here — most buyers just don't know it exists.
Yes. ITIN loans are designed for this. You need tax history, income documentation, and a down payment — not a Social Security number.
Most lenders require 10–20% down. A larger down payment can improve your rate and approval odds.
Yes, typically higher than conventional loans. They are non-QM products with different risk pricing. Rates vary by borrower profile and market conditions.
Expect to provide two years of tax returns, 12 months of bank statements, proof of employment, and rental history if available.
Absolutely. There are no geographic restrictions on ITIN loans. Wheatland properties qualify like any other California purchase.
Some lenders require a credit score. Others accept non-traditional credit history. Talk to a broker about which lenders fit your profile.