ITIN Loans in San Diego County
A guide for non-U.S. citizens and foreign nationals in San Diego. Learn how to use your Individual Taxpayer Identification Number (ITIN) to purchase or refinance a home, with no Social Security Number required.
How ITIN Loans Work
Loan amounts up to $3,000,000 — Many ITIN lenders cap at $1M. We offer expanded ITIN programs reaching $3M for qualified borrowers in San Diego County.
San Diego's diverse population includes many hardworking individuals who contribute to the economy and pay taxes but do not have a Social Security Number. An ITIN loan is specifically designed for this group.
Lenders use your ITIN, issued by the IRS for tax processing, to verify your identity and tax history. This allows you to qualify for a mortgage based on your income and credit, opening the door to homeownership for many who thought it was out of reach.
Increased LTVs: In 2026, some ITIN programs now allow for Loan-to-Value ratios up to 70-75%, reducing the down payment requirement and making homeownership more accessible.
No U.S. Credit Required: While having U.S. credit is helpful, some lenders can use alternative credit verification, such as a history of timely rent and utility payments, or credit from your home country.
Who Qualifies & What You'll Need
Key Qualification Factors
Your San Diego ITIN Loan Specialist
Kiyoshi is an expert in navigating the specific requirements of ITIN loans. He works with a network of lenders who are experienced in serving the international and non-citizen community in San Diego, providing clear and respectful guidance through every step of the process.
Frequently Asked Questions
Can I get an ITIN loan if I am paid in cash?
While challenging, it can be possible if you have meticulously documented your income and deposited it into a bank account. Lenders need to see a consistent, verifiable history of income. A bank statement loan program may be a suitable option in this case.
Are ITIN loans only for primary residences?
Most ITIN loan programs are designed for the purchase of a primary residence. However, some lenders may offer options for second homes or investment properties, typically with a larger down payment requirement.
What kind of interest rates should I expect?
Interest rates for ITIN loans are generally higher than conventional mortgages to account for the additional risk perceived by lenders. The rate will depend on your credit history (if any), down payment, and overall financial profile.
California Isn't Simple.
Your strategy shouldn’t be.
Designed, Not Sold.
Solutions built for your exact situation
Solve What Makes Sense
Clear structure. Clean outcomes.
COMPANY
📣 FOLLOW US
UNLOCK HOME EQUITY
LOAN PROGRAMS
POPULAR CITIES
Equal Housing Opportunity
Company DRE ID: 02123993
For information educational purposes only and does not provide legal or tax advice. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. By submitting above, I authorize an affiliated Solve Lending & Realty representative to call me, send text messages and emails to me about property valuations and financing options at the number entered above even if I'm on a National or State "Do Not Call" list. You can opt-out anytime, data and message rates may apply.
©2026 Solve Lending & Realty. All Rights Reserved.