ITIN Home Loans · Marina del Rey, CA
ITIN Home Loans in Marina del Rey — Buy a Home with Your ITIN, No SSN Required
An ITIN home loan in Marina del Rey lets you buy a primary residence, second home, or investment property using your Individual Taxpayer Identification Number in place of a Social Security number — with two years of ITIN tax filings and 15–25% down. Save Financial (NMLS #377740), a local broker at 13763 Fiji Way, Suite EU2, matches you to the best ITIN program. Call (310) 759-4757.
Plenty of hardworking Westside families pay their taxes with an ITIN and assume homeownership is off the table without a Social Security number. It isn't. An ITIN home loan lets you use your Individual Taxpayer Identification Number in place of an SSN to buy a primary residence, second home, or investment property. You'll need about two years of ITIN tax filings and 15–25% down, and if you don't have traditional credit, alternative credit — a year of on-time rent, utility, and phone payments — can stand in. It's a real, documented path to owning your home.
Looking for an ITIN Home Loan Near You in Marina del Rey?
Our Westside home office lets an ITIN buyer sit down with a licensed loan officer, review tax history and credit, and get a clear, respectful answer on what's possible — not a distant call center.
Save Financial — Marina del Rey office
13763 Fiji Way, Suite EU2, Marina del Rey, CA 90292
Phone: (310) 759-4757
Hours: Monday–Friday 8:00 AM–5:00 PM, Saturday 10:00 AM–2:00 PM (Sunday closed) PT
The office is just off Fiji Way near the main channel of the marina, with convenient parking and quick access from Lincoln Boulevard and the 90 Marina Freeway. We serve Westside ITIN buyers from our Marina del Rey office across the neighborhoods below.
Areas We Serve Near Our Marina del Rey Office
Here is how an ITIN loan tends to fit for buyers across the areas we cover from Marina del Rey:
- Marina del Rey: ITIN buyers financing a first home or condo without an SSN.
- Venice: families qualifying with two years of ITIN tax returns.
- Playa del Rey: ITIN buyers purchasing a primary residence near the coast.
- Playa Vista: condo buyers using alternative credit to qualify.
- Santa Monica: ITIN homebuyers with steady income and reserves.
- Culver City: working families buying their first home with an ITIN loan.
- West Los Angeles: ITIN buyers financing homes and small rentals.
- Mar Vista: families qualifying via ITIN tax history and alternative credit.
- Westchester: ITIN buyers near LAX purchasing a primary residence.
These are service areas of our Marina del Rey office, not separate offices.
How an ITIN Home Loan Works
An ITIN home loan uses your Individual Taxpayer Identification Number instead of a Social Security number to finance a primary residence, second home, or investment property. It exists for non-citizens — including undocumented immigrants — who pay U.S. taxes with an ITIN. Expect to show two years of ITIN tax filings and put down 15–25%; self-employment or an investment property usually pushes that to 20–25%, and investment purchases to 25–30%.
Most programs prefer a 620+ credit score, but some accept alternative credit for buyers without traditional credit history — 12 months of on-time payments across 3–4 lines like rent, utilities, cell phone, auto insurance, internet, or remittance services. Typical documents are your ID, ITIN letter, two years of tax returns, and two months of bank statements, plus reserves. On the Westside, this is a real path for families who've built stability here.
Already a Westside homeowner and want to refinance? ITIN rate-and-term and cash-out refinances use the same general terms (15–25% equity, 2+ years of tax history). No ITIN yet? You obtain one by filing IRS Form W-7 with your tax return and identification. ITIN loans use an Individual Taxpayer Identification Number in place of a Social Security number. All loans are subject to credit and income review, tax-history verification, and property review — no approval is guaranteed. Save Financial, NMLS #377740, DRE #01875766, Equal Housing Opportunity.
Common ITIN Scenarios in Westside
- A family buying their first Westside home using two years of ITIN tax returns.
- A buyer without traditional credit qualifying on alternative credit (rent, utilities, phone).
- A self-employed ITIN filer putting 20–25% down.
- An ITIN homeowner doing a cash-out refinance to consolidate debt.
- A buyer financing a small rental with an ITIN investment loan (25–30% down).
Is an ITIN Home Loan Right for You?
- You file U.S. taxes with an ITIN and have about two years of filings.
- You're buying a Westside primary residence, second home, or investment property.
- You have 15–25% down (a bit more for self-employment or investment).
- You have a 620+ score — or 12 months of alternative credit if not.
ITIN vs. Foreign National — Which One Are You?
People mix these up, but they're different — it comes down to where you live and how you file taxes:
| ITIN loan | Foreign national loan | |
|---|---|---|
| Who it's for | You live in the U.S. and file taxes with an ITIN | You live abroad, with no U.S. tax filing |
| Primary residence? | Yes — plus second home or investment | No — second home or investment only |
| Typical down payment | 15–25% (investment 25–30%) | 20–40% (commonly 25–30%) |
| How you qualify | 2 years of ITIN tax returns; 620+ FICO or alternative credit | Foreign credit letters, foreign income or assets |
| Learn more | You're on the right page | Foreign national |
If you live in the U.S. and file with an ITIN, this is your program. If you live abroad with no U.S. tax filing, a foreign national loan fits instead.
Why Work With a Local Marina del Rey Mortgage Broker?
ITIN programs vary a lot — down payment, credit flexibility, and how they treat alternative credit differ by lender. As a broker, we match your file to the ITIN program with the best rate and lowest down payment for your situation, and we explain every step clearly and respectfully. Our office is in Westside, so you meet a real, licensed loan officer in person.
Bring your ITIN, tax returns, and questions — no judgment. Call the Marina del Rey office directly at (310) 759-4757. ITIN loans use an Individual Taxpayer Identification Number in place of a Social Security number. All loans are subject to credit and income review, tax-history verification, and property review — no approval is guaranteed. Save Financial, NMLS #377740, DRE #01875766, Equal Housing Opportunity.
How to Get an ITIN Home Loan with Save Financial
- Tell us about your income, your ITIN tax history, and the Westside home you want. Start online or call (310) 759-4757.
- We check ITIN programs and confirm your down payment (15–25%) and credit path (620+ or alternative credit).
- We match your file to the ITIN lender with the best terms and issue your pre-approval.
- You make your offer, and we take the file to close — no SSN required.
Serving Marina del Rey: Save Financial arranges these loans in Marina del Rey and across Westside Los Angeles from our Marina del Rey office. We are a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766), Equal Housing Opportunity, and shop multiple lenders for your best terms. This page is informational and not a commitment to lend; all loans are subject to credit approval, income and property review, and program availability. Call 310-759-4757 or apply online.