You want to buy a home in Bakersfield, but you don’t have a Social Security Number.
COST
Waiting or applying for the wrong program can mean delays, more paperwork, and missed opportunities.
DESIRED
A clear path to homeownership using your ITIN, with documentation you can provide.
BRIDGE
An ITIN Mortgage is designed to help eligible foreign nationals and immigrants move forward without a Social Security Number.
No SSN RequiredPassport / Matricula / U.S. Gov ID2 Years Same or Similar Work2 Years ITIN Tax ReturnsAlternative Credit OptionsPast Bankruptcy or Foreclosure ConsideredInvestment Property Eligible
This page is for informational purposes only. Loan eligibility and offers may vary based on individual financial situations.
What this program can support
Home purchases using an ITIN
Borrowers who are salaried or self-employed (2 years in the same or similar line of work)
Borrowers who can provide 2 years of tax returns using an ITIN number
Borrowers using alternative forms of credit documentation
Property options including single-family homes, condos, PUDs, and investment properties
Why borrowers in Bakersfield use an ITIN Mortgage
Many foreign nationals and immigrants across Bakersfield and Kern County want a straightforward way to buy a home in California without a Social Security Number—especially when their credit profile is built through alternative documentation or they’ve had past credit events.
Borrower realities
No Social Security Number available
Using ITIN for tax filing
Salaried or self-employed with 2 years in the same or similar work
Limited traditional credit history (using alternative credit documentation)
Past credit events such as bankruptcy or foreclosure
How this program helps close the gap
Accepts identification such as a U.S. Government ID card, Matricula Consular ID, or Passport
Uses 2 years of tax returns filed with your ITIN number
Flexible credit approach with alternative documentation
May consider past credit events like bankruptcy or foreclosure
Can be used for eligible property types including investment properties
1
Share your ID + ITIN details
Provide an accepted ID (U.S. Government ID, Matricula Consular ID, or Passport) and your ITIN information.
2
Confirm work + taxes
We review 2 years in the same or similar line of work and 2 years of tax returns using your ITIN number.
3
Match the right home option
Discuss eligible property types such as single-family homes, condos, PUDs, and investment properties.
How the process works in Bakersfield
Keep it simple. Our goal is to help you understand what’s needed for an ITIN Mortgage so you can take the next step with confidence.
1
Apply or request a quote
Start online and tell us you’re looking for an ITIN Mortgage for a California home purchase.
2
Provide required documentation
Share an accepted ID, 2 years of tax returns using your ITIN number, and confirm 2 years in the same or similar line of work.
3
Review credit options & property fit
We can discuss alternative credit documentation, past credit events (if applicable), and eligible property types including investment properties.
An ITIN Mortgage is a home loan option designed to support eligible foreign nationals and immigrants who want to buy a home using an ITIN number rather than a Social Security Number.
Do I need a Social Security Number or legal status for this program?
No. The program is designed so that a Social Security Number is not required, and it is open to non-citizens.
What identification documents are accepted?
Accepted identification includes a U.S. Government ID Card, Matricula Consular ID, or Passport.
What employment history is needed?
The program requires 2 years in the same or similar line of work, whether you are salaried or self-employed.
How many years of tax returns are required?
Two years of tax returns filed using your ITIN number are required.
What if I don’t have traditional credit history?
Alternative forms of credit documentation may be accepted.
Can past credit events like bankruptcy or foreclosure be considered?
Yes. Past credit events such as bankruptcy or foreclosure may be considered.
What property types can be eligible?
Eligible property types include single-family homes, condos, PUDs, and more. Investment properties are also eligible.
Is this an FHA loan?
No. This product stands independently and is not affiliated with FHA.
Local trust & compliance
Accelerated Lending Group proudly serves Bakersfield, Kern County, and all areas of California.
NMLS 1563471 • DRE 02022124
All loans are subject to the marketability, quality & condition of the subject property for approval. The programs advertised are not a commitment or guarantee from Accelerated Lending Group to lend. Programs, rates, and other terms and conditions are subject to change without notice; some restrictions apply.
Welcome to Accelerated Lending Group, your trusted partner in turning the dream of homeownership into reality for foreign nationals and immigrants throughout Bakersfield, Kern County, and all of California. With our innovative ITIN Mortgage product, your path to buying a home is clear—even without a Social Security Number.
Whether you're eyeing a cozy single-family home, a spacious condo, or even an investment property, The ITIN Mortgage has you covered. Our team of experienced mortgage professionals is dedicated to finding the best loan options to help you secure the home you've always wanted.
Our secure website uses SSL technology to keep your information confidential and safe. If your dream is to own a home in California, don't let the lack of a Social Security Number hold you back.
Experience the joy of homeownership in Bakersfield, Kern County, or anywhere in California. With The ITIN Mortgage, a higher down payment and slightly higher costs lead to a lifetime of memories. Your dream home awaits, and we're here to make it a reality.
Remember, your journey to owning a home in California starts here. With a strong support system and the right mortgage product, nothing can stop you. Apply or call today! 🏡✨
