ITIN Mortgage Loans · Bay Area · California

Buy a Home in the Bay Area With Your ITIN Number

No Social Security Number? No problem. Marisela Argenal has helped hundreds of ITIN buyers purchase homes across the East Bay — and she can help you too.

Book a Free 30-Minute Consultation

Bilingual English/Spanish · 25 Years Experience · NMLS #293939 · CalDRE #01501844

The Truth About ITIN Loans

You Don't Need a Social Security Number to Own a Home

Millions of hardworking immigrants live, pay taxes, and contribute to Bay Area communities — yet many believe homeownership is out of reach because they don't have a Social Security Number. That's simply not true.

An ITIN mortgage is a home loan that uses your Individual Taxpayer Identification Number (ITIN) — the same number you use to file your federal taxes — in place of a Social Security Number. These loans are offered by specialty lenders called portfolio lenders and non-QM lenders who understand the unique financial profiles of immigrant borrowers.

Marisela Argenal has been originating ITIN loans in the Bay Area for over 25 years. She knows which lenders accept ITIN documentation, what rates to expect, and how to present your application in the strongest possible light.

25+
Years Helping ITIN Buyers
100s
ITIN Closings in the Bay Area
100%
Bilingual English / Spanish

Who Qualifies for ITIN Loans?

ITIN mortgage programs are designed for immigrants, non-residents, and foreign nationals who pay U.S. taxes but are not eligible for a Social Security Number. This includes undocumented residents, visa holders, DACA recipients, and foreign investors.

Document Checklist

What Documents You Need for an ITIN Mortgage

Having your documents ready speeds up the process dramatically. Here is the standard checklist Marisela prepares for every ITIN client:

Income & Tax Documents

  • 2 years of ITIN-filed federal tax returns (1040 with ITIN)
  • 2 years of W-2s or 1099s (if applicable)
  • Most recent 2 months of pay stubs (for employed borrowers)
  • 12–24 months of business bank statements (for self-employed)
  • Profit and loss statement for self-employed borrowers

Bank & Asset Documents

  • 2–3 months of bank statements (all accounts)
  • Down payment and closing cost funds documentation
  • Gift letter (if receiving gift funds)

Identity & Residency

  • Valid ITIN card or IRS assignment letter
  • Valid foreign passport or Consular ID (matrícula consular)
  • Foreign national ID card (acceptable by many lenders)
  • 2 years of residence history with addresses
  • Utility bills or lease agreements showing address history

Credit Documentation

  • 12–24 months of rental payment history
  • Utility payment history (if limited U.S. credit)
  • Foreign credit report (if applicable)

Available Programs

ITIN Loan Programs — What May Be Available

Certain portfolio lenders and non-QM lenders offer mortgage programs that accept an Individual Taxpayer Identification Number (ITIN) in place of a Social Security Number. As a licensed mortgage broker (NMLS #293939), Marisela Argenal works with multiple lenders who participate in these programs and can help evaluate whether you may qualify based on your individual financial profile, credit history, income documentation, and the lender’s current guidelines. All loans are subject to lender approval and qualification. Program availability and terms may change without notice.

Non-QM ITIN Loans

A common loan type among ITIN borrowers. Uses alternative income documentation and non-traditional credit standards. Down payment requirements typically range from 10–20%. Rates, terms, and eligibility vary by lender and individual qualification.

Bank Statement Loans

May be suitable for self-employed borrowers. Some lenders use 12–24 months of bank statements to assess income in lieu of tax returns or W-2s. Subject to lender eligibility requirements.

Portfolio Loans

Loans retained by the originating lender rather than sold on the secondary market. Some portfolio lenders offer greater flexibility on ITIN, credit history, and income documentation. Terms and availability are set solely by the lender.

Foreign National Loans

Certain lenders offer programs for non-U.S. residents purchasing property in California. Requirements, down payment minimums, and eligibility criteria vary. A consultation is recommended to assess your specific situation.

General ITIN Loan Parameters (Representative Ranges — Subject to Change)

  • Down payment: Generally 10%–20% of purchase price; exact requirement determined by lender
  • Credit score: Many programs prefer 620+; some lenders may consider 580 with additional requirements
  • Loan amounts: Varies by lender; conforming and non-conforming options may be available
  • Property types: Eligibility varies — may include single family, condos, 2–4 units; lender guidelines apply
  • Rates: Non-QM loans typically carry rates above government-backed loan benchmarks; actual rate depends on credit profile, LTV, and lender pricing at time of application

All figures are general estimates only. Actual loan terms, rates, and eligibility are determined solely by the lender based on your individual application. Not a commitment to lend. NMLS #293939 | NMLS #830060 | CalDRE #01501844.

Why Marisela Argenal

How Marisela Has Helped ITIN Buyers Across the Bay Area

Marisela Argenal isn't just a licensed mortgage broker — she is a member of the same communities she serves. She understands that for many immigrant families, purchasing a home is more than a financial transaction. It's a milestone, a statement of permanence, and a gift to the next generation.

For over 25 years, Marisela has specialized in ITIN mortgage lending in Contra Costa County and throughout the East Bay. She speaks fluent Spanish and conducts the entire loan process — from pre-qualification to closing — in your preferred language. No translators, no miscommunication, no fear.

Marisela knows which lenders offer the most competitive ITIN rates, which programs accept matrícula consular as identification, and how to structure an application for the best possible outcome. She has closed hundreds of ITIN loans in Martinez, Concord, Antioch, Pittsburg, Richmond, Oakland, and beyond.

Marisela's ITIN Commitment

  • 100% bilingual consultations — English & Spanish
  • Free 30-Minute phone or video consultation
  • No upfront fees — you pay only at closing
  • Direct lender relationships with ITIN-friendly lenders
  • Serving Martinez, Concord, Antioch, Pittsburg, Richmond, Oakland and all East Bay cities

"Many clients come to me convinced they can never own a home in the United States. My job is to show them that the path exists — and then walk it with them."

— Marisela Argenal, Broker · NMLS #293939 · CalDRE #01501844

Client Stories

Real ITIN Buyers. Real Bay Area Homes.

"Llegué con un puntaje de 580 y pensé que ser propietario era imposible. Trabajó con mi ITIN y nueve meses después firmé los papeles."

Jorge García
ITIN Buyer · Antioch, CA

"Como inmigrante, pensé que nunca podría tener casa aquí. Marisela hizo posible lo imposible."

María L.
ITIN Buyer · Pittsburg, CA

Common Questions

ITIN Mortgage FAQ

No. You do not need to be a U.S. citizen or permanent resident to purchase a home. ITIN mortgage loans are specifically designed for non-citizens and non-residents who have a valid Individual Taxpayer Identification Number (ITIN). Many of Marisela's ITIN buyers are undocumented immigrants, visa holders, and international buyers who have successfully purchased homes throughout the Bay Area.
ITIN mortgage programs typically require a minimum credit score of 620–640, though some portfolio lenders work with scores as low as 580. If you have limited U.S. credit history, Marisela can help document alternative credit sources such as rental payment history, utility bills, and foreign credit reports to strengthen your application.
Most ITIN loan programs require a down payment of 10% to 20% of the purchase price. Some programs accept as little as 10% down for well-qualified borrowers. The exact amount depends on your credit score, income verification method, and the lender's specific guidelines. Marisela will identify the lowest down payment option for your situation.
A typical ITIN mortgage takes 30 to 45 days from application to closing, similar to conventional loans. The key is having all your documents ready upfront. Marisela's team prepares a complete, personalized document checklist at your free consultation so there are no surprises.
Yes. Your ITIN is issued by the IRS specifically for tax purposes and is routinely used in mortgage applications. Lenders are prohibited from discriminating based on national origin or immigration status under the Fair Housing Act. Your application information is kept strictly confidential and is protected by federal privacy laws. Marisela has been helping ITIN clients safely and confidentially for over 25 years.

Ready to Start Your ITIN Mortgage Journey?

Book a free 30-minute consultation with Marisela Argenal. She will review your situation, tell you exactly what programs you qualify for, and give you a clear path forward — in English or Spanish.

Book Free Consultation Call (415) 424-2432