Local mortgage broker
If you’ve been searching for an itin loan near you, you’re in the right place. CDL Mortgage Services Inc. is a licensed, independent mortgage broker headquartered at 6524 Lonetree Blvd, Rocklin, CA 95765, serving borrowers across California, Texas, Georgia, Tennessee, Oklahoma, and Idaho. Every file is handled start-to-finish by a licensed loan officer — never a call center.
Working with a nearby broker matters. We know the local markets, the county loan limits, and the title and escrow teams in your area — and because we shop multiple wholesale lenders on every itin loan, “near me” never means settling for one bank’s pricing. Home financing with an ITIN — no Social Security number required.
Questions
Yes. ITIN loans are designed specifically for borrowers who file U.S. taxes using an Individual Taxpayer Identification Number. Lenders verify your income, credit history, and tax returns just like a traditional loan — no SSN required.
Most ITIN programs require 10% to 20% down depending on credit profile and the lender. A larger down payment typically unlocks better rates. We shop multiple Non-QM investors to find your strongest terms.
Many ITIN borrowers have credit files established under their ITIN. If your traditional credit is thin, lenders can use alternative credit — rent history, utility payments, and insurance payments — to demonstrate your payment track record.
Typically a valid ITIN card or letter, government-issued photo ID (such as a passport or matrícula consular), two years of tax returns filed with your ITIN, and proof of income such as pay stubs or bank statements. We’ll give you a complete checklist up front.
ITIN rates run somewhat higher than conventional financing because these loans are held by specialty investors, but they are far more affordable than most people expect — and refinancing later is always an option if your situation changes.
About Us
CDL Mortgage Services Inc. is an independent, full-service mortgage company. Instead of pushing one bank’s products, we shop multiple wholesale lenders to secure the best loan at the best rate for every borrower.
Purchase, refinance, and home equity — all under one roof, focused on the best loans at the best rates.
Based at 6524 Lonetree Blvd, Rocklin, CA 95765 and licensed in California, Texas, Georgia, Tennessee, Oklahoma & Idaho.
Every file is handled start-to-finish by a licensed loan officer who knows your name and your goals.
Fully licensed and regulated, with award-winning lender partnerships and 35+ years serving borrowers.
Find ITIN loans details for your city or county below.