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Fairfax is one of Marin County's most distinctive towns. Tight inventory and high prices are the norm here.
ITIN loans open homeownership to borrowers without a Social Security number. That matters in a market this competitive.
620+
Min Credit Score
20-25% typical
Down Payment
2 years preferred
Tax Filing History
No — ITIN accepted
SSN Required?
6-12 months PITI
Cash Reserves
ITIN Loans in Fairfax
You need a valid ITIN issued by the IRS. Lenders also want 12-24 months of bank statements or tax returns filed with that ITIN.
Most lenders require a minimum 620 credit score. A larger down payment — often 20-25% — strengthens your file significantly.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Fairfax.
Fairfax is one of Marin County's most distinctive towns. Tight inventory and high prices are the norm here.
ITIN loans open homeownership to borrowers without a Social Security number. That matters in a market this competitive.
You need a valid ITIN issued by the IRS. Lenders also want 12-24 months of bank statements or tax returns filed with that ITIN.
Most banks won't touch ITIN loans. These are wholesale non-QM products — you need a broker with the right lender relationships.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize specifically in ITIN borrower profiles.
The biggest mistake ITIN borrowers make is waiting. Two years of consistent tax filings makes your file dramatically cleaner.
Cash reserves matter a lot here. Lenders want to see 6-12 months of mortgage payments sitting in your account after closing.
Foreign National loans are similar but built for non-residents. ITIN loans are designed for U.S. residents who pay taxes here.
Bank Statement loans overlap with ITIN products for self-employed borrowers. Some lenders combine both into one underwrite.
Fairfax has a strong owner-occupant culture. ITIN loans here are typically used for primary residences, not investment buys.
Marin County appraisals run high and scrutiny is tight. Your lender needs real experience with this geography to close cleanly.
Yes. An ITIN replaces the SSN requirement for these loans. You still need income docs, credit history, and a down payment.
Rates are higher than conventional loans — this is non-QM. Rates vary by borrower profile and market conditions.
Expect 20-25% minimum for most ITIN programs. A larger down payment improves your rate and approval odds.
Most accept 12-24 months of bank statements or ITIN-filed tax returns. Self-employed borrowers often use bank statements.
Possibly, but condo approval adds a layer. The project must meet the lender's non-QM condo guidelines — not all do.
It takes more documentation and the right lender. Working with a broker who knows non-QM closes these faster.