Roxford Holdings Inc
California • ITIN Home Loan • No SSN Required

ITIN Last Call in California

California is home to one of the largest ITIN communities in the United States, and its high property values make higher-balance ITIN financing essential. Roxford Holdings offers ITIN home loans across California — including loan amounts up to $3,000,000 with PRM Elevate — so you can buy or refinance a home with a valid Individual Taxpayer Identification Number and no Social Security Number.

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ITIN Last Call — California ITIN home loan
From
$125,000
Up to
$1,200,000
Down
From 15% (FICO-tiered)
Terms
Fixed 20, 25 & 30 years
Debt-to-income
Up to 55% DTI (60% with compensating factors)

California ITIN loan highlights

  • Available across Los Angeles, San Diego, the San Francisco Bay Area, Sacramento, and Fresno
  • Higher-balance financing up to $3,000,000 (PRM Elevate) for California's high-cost markets
  • Debt-to-income up to 55% in California (up to 60% with compensating factors)
  • Qualify with a valid, unexpired ITIN plus an unexpired passport, visa, or government ID

Available across: Los Angeles · San Diego · San Francisco Bay Area · Sacramento · Fresno

Program at a glance: ITIN Last Call

ITIN accepted — no Social Security Number required
Primary, second home, and investment properties (incl. 2–4 units)
FICO-tiered LTV up to 85% (700+ FICO, primary purchase)
Full-Doc, 1099, or Profit & Loss income options
Fixed 20, 25, and 30-year terms
Gift funds allowed; short housing history OK (0x30 <6 mo.)
See full program

Compare both ITIN programs in California

Both programs qualify borrowers with a valid ITIN — no Social Security Number required. Compare the details and pick the right fit.

PRM Elevate (ITIN)

ITIN home loan up to $3M for primary & second homes

  • Up to $3,000,000
  • Down: From 15% (up to 85% LTV)
  • Terms: Fixed 25 & 30 years

ITIN Last Call

Flexible ITIN loan for primary, second & investment homes

  • Up to $1,200,000
  • Down: From 15% (FICO-tiered)
  • Terms: Fixed 20, 25 & 30 years

Frequently Asked Questions

Can I buy an investment property with an ITIN?

Yes. ITIN Last Call finances investment properties and 2–4 unit properties with an ITIN — no Social Security Number required. Investment and cash-out transactions require a minimum 640 FICO.

How does FICO affect my ITIN Last Call loan?

ITIN Last Call uses FICO-tiered loan-to-value. Borrowers with 700+ can reach up to 85% LTV on a primary residence purchase, with lower tiers available for other scores, occupancies, and property types.

Is ITIN Last Call available in Texas and California?

Yes. It is available in Texas, California, and most states (Washington is excluded). Debt-to-income can reach up to 60% in most states, up to 55% in California and New Jersey, and up to 60% with compensating factors.

What is the maximum loan amount for ITIN Last Call?

Loan amounts range from $125,000 to $1,200,000. For larger owner-occupied or second-home ITIN loans up to $3,000,000, consider PRM Elevate.

Also available in:

ITIN Last Call — Texas