ITIN Loans

When a loan application is accepted for a person that is a resident who passes a valid Individual Tax ID Number (ITIN), the request will be considered under normal lending criteria with some additional guidelines. Credit applications may be accepted under this program for personal loans, second mortgages and credit cards.

An ITIN member may provide one of the following:

• The ITIN must be supported by a copy of the ITIN letter issued by the IRS or an ITIN card accompanied by the most recent years Federal Tax Return.

Additional guidelines are as follows:

• Verification of Income:
  • A pay check stub reflecting year to date income or a W-2.
  • Most recent Federal Income Tax Return. Self-employed borrowers must provide the most recent two (2) years signed Federal Income Tax Returns.
  • If work is seasonal, the 12 month average of W-2’s from all employers plus any unemployment benefits may be used
  • Must be a member or qualify for membership (live or work in Kern County)