California ITIN Loans

California’s robust housing market and diverse offerings make it a desirable location for many, and an ITIN loan can open doors to homeownership that may otherwise be closed with traditional home loans. 

A California ITIN loan can help individuals without a Social Security number (SSN) become a homeowner or real estate investor in the Golden State.

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Self Employed
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VA Eligible
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Real Estate Investor
Select this option if you invest in income-producing rental properties.


Other
Select this option if none of the other 3 options apply.

What is the loan purpose?



Purchase
A purchase loan can be used to buy a home.


Refinance
A 'rate and term' refinance allows you to improve the terms of your existing mortgage by lowering the monthly payment. A 'cashout refinance' allows you to convert equity into cash.


Home Equity
A home equity loan or line of credit is a 2nd mortgage that allows you to convert equity to cash without having to touch your existing 1st mortgage.

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    What Is an ITIN Home Loan?

    California ITIN home loans, also known as foreign national mortgages, are a type of non-QM loan designed for non-US citizens who don’t have a Social Security number but still want to invest in property or purchase a home in the US. 

    To do this, they can use their Individual Taxpayer Identification Number (ITIN) in place of their SSN. ITIN home loans in California are an alternative to traditional home loans because they have more flexible lending requirements, offering foreign nationals and non-residents an easier path to homeownership.

    Benefits of ITIN Mortgage Loans in California

    ITIN mortgages in California offer several benefits that make them attractive to individuals without SSNs but who still want to own property in the US:

    • Accessibility: These loans are more accessible than traditional home loans because they don’t require an SSN for verification. Instead, non-residents and non-citizens can get a mortgage without an SSN, allowing them to participate in the real estate market. 
    • Flexible lending criteria: Traditional mortgage loans require an SSN for identification purposes. However, ITIN loans have more flexibility, allowing individuals to qualify using their ITINs issued by the IRS as an alternative to the SSN. 
    • Competitive interest rates: ITINs come with competitive interest rates to ensure borrowers have access to financing. 
    • Variety of property types eligible: With an ITIN loan, you may be able to purchase anything from a single-family home to an investment or vacation property. The exact types of properties eligible for a California ITIN mortgage vary by lender.
    • Investment opportunities: ITIN DSCR mortgage loans in California make real estate investing easier for non-resident inventors without an SSN.

    Think you qualify for a loan? Contact us today to find out!

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    Who Qualifies for an ITIN Mortgage in California?

    While ITIN loans in California have less stringent lending criteria, borrowers must meet their lender’s requirements to qualify. These may include:

    • Proof of income: ITIN lenders in California must determine a borrower’s ability to repay the loan, which means providing them with proof of income. Documentation may include pay stubs, tax returns, or bank statements to ensure there’s sufficient income to repay the mortgage debt. 
    • Job history or income source: Lenders typically like to see that a borrower has a stable job or source of income. 
    • Credit history: Credit score requirements vary by lender, but some lenders may consider traditional credit history. However, since ITIN borrowers typically don’t have a conventional credit history, they can use alternative methods to qualify for the loan. To determine an ITIN borrower’s creditworthiness, California ITIN lenders may review bill payments like rent, utility bills, and car loans.
    • Down payment: ITIN loan down payments tend to be higher than traditional mortgages because they’re a higher risk for the lender. However, the higher the down payment, the better your interest rate. Griffin Funding offers as little as 20% down.

    Why Work With Griffin Funding for Your ITIN Loan?

    At Griffin Funding, we understand the unique needs and challenges that non-citizens deal with when trying to secure a mortgage. When you work with us, you’ll benefit from: 

    • Excellent customer service: We offer a personalized experience for every borrower and can assist you through the mortgage process from start to finish. 
    • A streamlined application process: Benefit from a straightforward application process and quick pre-approvals so you can capitalize on opportunities as they arise. 
    • Flexible mortgage options: In addition to ITIN loans in California, we offer a wide range of other traditional and non-QM mortgage products. Work with our team to find the right fit for you. 
    • Experienced mortgage professionals: The dedicated mortgage professionals on our team have funded ITIN loans across the country. 

    Partner with Griffin Funding to get a mortgage loan with an ITIN number in California. 

    Work With a Trusted ITIN Lender in California

    ITIN loans in California offer a path to home and property ownership for non-U.S. citizens without a Social Security number. When looking for an ITIN mortgage, always work with a trusted lender that understands your unique needs. 

    Griffin Funding takes pride in offering California home loans. We’re committed to guiding you through the application process, offering competitive rates, and finding the best solution based on your individual circumstances. Get started online today.

    Frequently Asked Questions

    Yes, you can purchase a home in California using your ITIN number. ITIN loans are designed for borrowers without Social Security numbers. If you have an SSN, you can’t purchase a home using an ITIN number in California.

    You can’t get a mortgage loan with an ITIN number in California if you already have a Social Security number. In this case, you can use your SSN to apply for a traditional mortgage or non-QM home loan. 

    The types of properties you can buy with California ITIN loans depend on the lender. In general, you may be able to purchase the following types of properties with a California ITIN loan:

    • Single-family homes: California ITIN loans can be used to purchase single-family residential homes. 
    • Condos: These loans can also be used to finance condo units. 
    • Townhomes: ITIN loans in California can also be used to purchase townhomes. 
    • Multi-unit properties: Whether you plan to live in one of the units or use the property as an investment property, a California ITIN loan can finance multi-unit properties like duplexes. 
    • Investment properties: ITIN loans in California can also be used to finance investment properties to help you build your portfolio. 
    • Vacation homes: ITIN loans may also finance vacation or second homes across California. 

    The loan programs available to non-U.S. citizens depend on residency status.

    • Permanent Resident Alien Loans: Non-citizens living permanently in California with a green card can purchase primary residences, second homes, and investment properties.
    • Non-Permanent Resident Alien Loans: Non-citizens living temporarily in California on a visa, can qualify for a mortgage on primary residences, second homes, and investment properties.
    • ITIN Loans: Non-citizens living in California with an ITIN number issued by the IRS (without a social security number), can purchase or refinance primary residences, second homes, and investment properties.
    • Foreign National  Loans: Non-citizens wanting to invest in California real estate without a social security number, green card, or visa can purchase or refinance second homes, and investment properties. Foreign national loans are not available for primary residences.

    Call Griffin Funding or start your application online. By calling us today, we can determine if an ITIN loan is the right solution for you and start the pre-approval process. You can also fill out our online application for pre-approval and prepare the necessary documents we’ll need to review your loan application. 

    After we review your application, we’ll issue a pre-approval letter stating the maximum loan amount you qualify for based on the information provided. Then, you can use your pre-approval for house hunting by sharing it with a realtor to help them find properties within your budget. 

    Once you make an offer, we’ll walk you through the final application process from start to close.