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American Canyon sits at the south end of Napa County, with a large working-class immigrant community. Many residents here earn steady income but don't have a Social Security number.
ITIN loans exist for exactly this situation. Your Individual Taxpayer Identification Number can qualify you for a real mortgage with a real lender.
Varies by lender
Credit Requirement
Valid ITIN
ID Requirement
10–20% typical
Down Payment
2 years minimum
Tax History Needed
Non-QM
Loan Type
ITIN Loans in American Canyon
You need a valid ITIN and at least two years of tax returns filed under that number. Lenders want to see you've been paying taxes consistently.
Most ITIN programs require 10–20% down. The stronger your down payment, the more lenders will compete for your deal.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in American Canyon.
American Canyon sits at the south end of Napa County, with a large working-class immigrant community. Many residents here earn steady income but don't have a Social Security number.
ITIN loans exist for exactly this situation. Your Individual Taxpayer Identification Number can qualify you for a real mortgage with a real lender.
You need a valid ITIN and at least two years of tax returns filed under that number. Lenders want to see you've been paying taxes consistently.
Big banks don't do ITIN loans. This is wholesale non-QM territory — specialty lenders who write their own guidelines.
We work with 200+ wholesale lenders. A handful of them have strong ITIN programs. We know which ones price well and close on time.
The biggest mistake I see: borrowers apply at a retail bank, get denied, and assume homeownership isn't possible. It is — just not there.
Alternative credit works with some ITIN lenders. Rent history, utility payments, and remittance records can substitute for a traditional credit file.
Foreign National loans cover non-resident buyers. ITIN loans are for people who live and work here, file U.S. taxes, and plan to stay.
Bank Statement loans are another non-QM option — but those require a Social Security number. If you only have an ITIN, that path is closed.
American Canyon has a dense Hispanic and Filipino workforce tied to Napa's wine, hospitality, and construction industries. Many earn strong incomes without SSNs.
As of April 2026, Napa County remains one of the pricier Bay Area-adjacent markets. A solid down payment helps ITIN borrowers compete seriously here.
Yes. ITIN loans are designed for exactly this. You need tax returns, stable income, and a down payment — not a Social Security number.
Most programs require 10–20% down. A larger down payment improves your rate and gives you access to more lenders.
Some lenders require one. Others accept alternative credit like rent history or utility payments if your credit file is thin.
Most lenders want two years of tax returns filed under your ITIN. Consistency matters more than the score itself.
Yes — ITIN loans are non-QM, so rates run higher than conventional. Rates vary by borrower profile and market conditions.
Yes. We have wholesale access to lenders with active ITIN programs. We find the one that fits your income and down payment.