ITIN Mortgage Loans in California: Complete Guide [2023]

ITIN loans in California allow individuals without Social Security numbers to obtain mortgages using their Individual Taxpayer Identification Numbers.

ITIN Mortgage Loans in California
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When it comes to achieving homeownership, non-U.S. citizens and immigrants face unique challenges. However, a new opportunity has emerged with the introduction of ITIN Mortgage Loans in California.

In this guide, we will comprehensively explain ITIN. After reading this, you’ll know exactly what steps to take when applying for one—and hopefully, get approved quicker than expected!

How to Buy House in California without Social Security Number?

Buying a house in California without a Social Security Number (SSN) is possible through ITIN mortgage loans. Here’s what you need to know:

  • Individuals who do not have an SSN can use an Individual Taxpayer Identification Number (ITIN) to fulfill their tax obligations and potentially qualify for a mortgage.
  • ITINs are issued by the Internal Revenue Service (IRS) and serve as an alternative identification number for tax purposes.

HomeAbroad specializes in ITIN mortgages and can offer you the most competitive terms. Get a quick quote. 

What are ITIN Mortgages?

ITIN Loan program is a home loan specifically designed for individuals with an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number (SSN). These mortgages provide an opportunity for individuals without an SSN, such as people with asylum status and DACA status, to finance the purchase of a home and achieve homeownership.

Who Can Benefit From ITIN Mortgage Loans in California?

ITIN mortgage loans are specifically designed to cater to individuals in California who do not have social security numbers but possess ITINs (individual tax identification numbers). These loans offer an opportunity for specific individuals residing in California to fulfill their dream of homeownership. Here are the key beneficiaries of ITIN mortgage loans in California:

  • Individuals in California with ITINs who lack social security numbers.
  • Individuals who are living and working in California without proper documentation but with a stable income.
  • Foreign investors purchasing property in California (under the foreign national mortgage program).
  • Those who are ineligible for traditional mortgages due to their immigration status and require alternative financing options.
  • Individuals looking to buy a primary residence in California, not for investment purposes.

Note: US citizens, green card holders, and individuals with valid visas are not eligible for ITIN mortgages as they have other financing options available.

How Does ITIN Mortgage Loan Work?

ITIN Mortgages work differently from traditional mortgages, as they cater to individuals without a Social Security Number. Here’s an overview of how ITIN Mortgages work:

  • Eligibility: ITIN Mortgages are for specific individuals residing in California without a Social Security Number but with an ITIN.
  • Documentation: Alternative documentation, like tax returns and proof of income, is required to establish creditworthiness.
  • Loan Programs: Different ITIN loan programs have specific terms and requirements, such as a foreign national mortgage program for foreign investors purchasing property in California.
  • Application Process: Submit documentation, complete the loan application, and work with an ITIN specialist.
  • Underwriting and Approval: The lender evaluates the financial profile and property to determine loan approval.
  • Loan Terms: ITIN Mortgages offer fixed or adjustable interest rates, repayment terms, and loan amounts based on individual circumstances.

Upon approval, complete the closing process, become a homeowner, and make mortgage payments. Also, there’s no prepayment penalty.

What are the Requirements for an ITIN Loan in California?

To qualify for an ITIN home loan in California, several ITIN Loan requirements must be met:

1. ITIN Loan Down Payment Requirement:

  • A minimum down payment of 10-20% is typically required, although the percentage may vary based on your credit score.

2. Tax Returns and Employment History:

  • You must file at least two years’ worth of tax returns, demonstrating a stable employment history under your ITIN number.
  • Banks may require tax returns, bank statements, and credit card statements as documentation for the loan.

3. Build Credit History:

  • While a minimum credit score of 600 is often required, it is not compulsory.
  • You can still apply for an ITIN loan with no credit score or limited credit history.

4. Proof of Employment:

  • Provide the last 30 days’ pay stubs as evidence of your current employment.

5. Self-Employed Individuals:

  • If you are self-employed, you must present your bank statements for the past 12 months as an alternative to tax returns.

HomeAbroad specializes in ITIN mortgages and can offer you the most competitive terms. Get a quick quote. 

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Document Required for California’s ITIN Loans

When applying for an ITIN mortgage loan, you must provide specific documents to support your application. Here is a breakdown of the document requirements:

Identification Documents: Valid identification documents are necessary to verify the borrower’s identity. This can include

  • Passport (stand-alone document or card)
  • National identification card (must show photo, name, current address, date of birth, and expiration date)

Proof of Income: Lenders often require proof of income to assess the borrower’s ability to repay the loan. This can include

  • Recent tax returns
  • W-2 forms
  • 1099 forms
  • Bank statements showing regular income deposits.

Employment Verification: Some lenders may require employment verification documents, such as

  • Employment letters
  • Pay stubs

Residence History: Lenders may request documentation to verify the borrower’s residence history, such as

  • Rental agreements
  • Utility bills
  • Statement from the borrower’s landlord.

Asset Documentation: If the borrower has substantial assets, such as savings or investments, the lender may require documentation to verify these assets, such as

  • Bank statements
  • Investment account statements.

Tax Identification Documents: Since ITIN loans are specifically for individuals with an ITIN, borrowers will need to provide their ITIN documentation, such as

  • The ITIN letter
  • ITIN card issued by the IRS.

It’s essential to consult with the specific lender to understand their document requirements and ensure all necessary documentation is provided during the loan application process.

Exploring the Application Process for ITIN Mortgage in California

When applying for ITIN Mortgage Program in California, it’s crucial to understand the documentation and steps involved in the application process. Here are the steps which take you close to your homeownership journey.

Steps Involved in the ITIN Mortgage Loan Application Process:

  1. Find a Lender:
    • Start by exploring lenders that provide ITIN mortgage loans. Focus on established institutions with expertise in serving individuals with ITINs.
    • Consult with experienced mortgage lenders specializing in ITIN loans for professional guidance and a clear understanding of your options.
    • Streamline the process by leveraging HomeAbroad, a user-friendly platform connecting homebuyers with certified agents and ITIN mortgage lenders, making your journey towards homeownership a breeze.
    • Connect with the best ITIN mortgage lender.
  2. Pre-application Preparation: Gather all required documentation and review your financial situation.
  3. Prequalification: Submit your application to the lender for prequalification, which determines your eligibility and loan amount.
  4. Loan Application: Complete the formal loan application provided by the lender, providing accurate and detailed information.
  5. Document Submission: Provide all necessary documentation to the lender for verification and underwriting.
  6. Loan Processing: The lender reviews your application, verifies information, and assesses your creditworthiness.
  7. Underwriting: The lender evaluates the loan application, financial documents, and property appraisal to assess risk and determine approval.
  8. Loan Approval: If approved, the lender provides an official loan commitment letter outlining the terms and conditions.
  9. Closing Process: Work with the lender, loan officer, and other parties involved (e.g., escrow company, title company) to complete the necessary paperwork and finalize the loan.
  10. Loan Disbursement: The lender funds the loan, and you become a homeowner.

Once the closing process is complete, you officially become the proud owner of your new home. From there, it’s time to start making regular monthly mortgage payments as specified in the loan terms. Embrace the perks of homeownership and relish the sense of accomplishment that comes with achieving your goal through an ITIN mortgage loan. Get ready to enjoy the journey of being a homeowner!

Read More: How to get ITIN Mortgage Home Loans in the U.S.?

Tips for a Successful ITIN Mortgage Loan Application:

  • Ensure all documentation is accurate, complete, and up to date.
  • Maintain a stable employment and income history.
  • Improve your creditworthiness by paying bills on time and reducing outstanding debts.
  • Save for a down payment and demonstrate financial responsibility.
  • Work with experienced ITIN Mortgage lenders familiar with the unique requirements of ITIN loans.
  • Seek prequalification to understand your eligibility and loan options before house hunting.
  • Communicate effectively with the lender, promptly providing any additional information or documentation requested.
  • Seek professional guidance from mortgage advisors or housing counseling services if needed.

By understanding the required documentation, following the necessary steps, and implementing the tips, you can successfully navigate California’s ITIN Mortgage Loan application process.

Comparing ITIN Mortgage Loans to Traditional Mortgage Loans

FactorITIN Mortgage LoansTraditional Mortgage Loans
Eligibility CriteriaAlternative methods may be used for income verification, such as Recent tax returns, W-2 forms, 1099 forms, etc.Requires a Social Security Number (SSN)
Citizenship/Residency RequirementNon-U.S. citizens and immigrants can qualifyU.S. citizens and permanent residents
Down PaymentVaries, but typically requires a minimum down payment of 10-20%Varies, but typically requires a down payment of 5-15%
Credit Score600, but No US credit options are also thereGenerally, requires a good credit score (620 or more)
Income VerificationAlternative methods may be used for income verification such as Recent tax returns, W-2 forms, 1099 forms, etcRequires thorough income documentation
Loan TermsMay have different terms and conditionsStandard loan terms and conditions
Interest RatesRates can vary based on individual circumstances, ranging from 7.5-8.5%Rates depend on creditworthiness and market conditions, ranging up to 7.5%
Lender OptionsSpecific ITIN mortgage lenders specialize in these loansWide range of lenders to choose from
Borrower RequirementsMay have specific requirements: ITIN, Verifiable income, Compliance with residency and immigration laws, etcRequirements applicable to all borrowers
DocumentationRequires documentation to establish identity (Passport, National identification card) and ITIN statusRequires documentation for identification, income, and more

By considering these factors, borrowers can make an informed decision when choosing between ITIN Mortgage Loans and traditional Mortgage Loans in California. Finding a loan option that aligns with individual circumstances, financial goals, and eligibility criteria.

What Types of Properties in California Qualify for an ITIN Loan?

When it comes to ITIN loans in California, qualifying property types include:

  • Single-family homes
  • Condominiums
  • Townhouses
  • Multi-unit properties

How to Find the Best Lender for ITIN Mortgage Loans in California

When searching for an ITIN lender, there are following factors which should be kept in mind:

  • Interest Rates and Fees
  • Loan Terms and Requirements
  • Reputation and Reviews
  • Customer Service
  • Credibility and Licensing

Discover the perfect mortgage lenders for your ITIN mortgage loan in California at HomeAbroad. Our platform connects U.S. and non-U.S. citizens with a vast network of lenders specializing in ITIN mortgage loans tailored to your unique needs.

You can make an informed decision with a smooth search process, detailed lender profiles, and verified borrower reviews. Our user-friendly website provides expert guidance and educational resources to navigate the mortgage process. Take the first step towards homeownership today.


By obtaining an ITIN and working with specialized lenders, you can fulfill tax obligations, meet eligibility criteria, and navigate the application process. These loans offer opportunities to purchase different property types while considering alternative income verification methods. Understanding ITIN, comparing loan options, and seeking support from ITIN mortgage lenders are key.

With the proper documentation and assistance, you can make your homeownership dreams a reality in California.


  1. Can you buy a house in California with an ITIN number?

    Yes, it is possible to buy a house in California with an ITIN. Many lenders offer mortgage loan programs specifically designed for individuals with ITIN numbers, allowing them to fulfill their homeownership dreams.

  2. Where can I find ITIN Loans?

    You can find ITIN loans through HomeAbroad, a platform connecting borrowers with experienced ITIN mortgage lenders. With HomeAbroad’s help, you can easily connect with reputable lenders and access suitable ITIN loan options.

  3. What is an Escrow Company?

    An escrow company acts as an impartial third party in a real estate transaction, ensuring the protection of the interests of all parties involved in the sale.

  4. Can applicants from any Country apply for ITIN Mortgage Loans in California?

    Yes, ITIN mortgage loans in California are available to applicants from any country with the condition that they have an ITIN number.

  5. How do I repay an ITIN Mortgage Loan?

    Repay your ITIN mortgage loan through regular monthly payments, just like traditional mortgage loans.

  6. Can ITIN Mortgage Loans be used for most property types?

    Yes, ITIN mortgage loans are available for various property types, including single-family homes, condos, and townhouses.

  7. Can I refinance my existing mortgage with an ITIN Mortgage Loan in California?

    Yes, you can refinance your current mortgage using an ITIN mortgage loan in California.

  8. What is the difference between Pre-approval and being Pre-approved for an ITIN Mortgage Loan in California?

    Pre-approval is a preliminary assessment while being pre-approved means having a specific loan offer in hand.

  9. What does “Owner-occupied” mean in the context of ITIN Mortgage Loans in California?

    It refers to the borrower intending to live in the purchased property as their primary residence.

  10. Can I use gift funds for an ITIN Mortgage Loan in California?

    Yes, it is possible to use gift funds as a source of a down payment for an ITIN mortgage loan in California, subject to lender guidelines.

  11. What is an ITIN Card, and how does it relate to ITIN Mortgage Loans?

    An ITIN card is an identification card issued by the IRS to individuals who have an Individual Taxpayer Identification Number (ITIN). It is often required for ITIN mortgage loan applications.

  12. Does Bank of America do loans with an ITIN?

    Yes, Bank of America accepts ITINs as valid identification number, allowing individuals to access various financial products.

About the author:
Amresh is the Founder & CEO of HomeAbroad. With over 14 years of mortgage industry experience, he specializes in foreign national mortgages and Non-QM mortgages. He is also a licensed mortgage originator (NMLS # 2549148).

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