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Dixon sits in Solano County, between Sacramento and the Bay Area. It's a working-class community with real homeownership demand.
Many Dixon residents work, pay taxes, and file returns using an ITIN. That number qualifies you for a home loan — full stop.
Varies by lender
Min Credit Score
15-20% typical
Down Payment
2 years
Tax Returns Required
Non-QM
Loan Type
2 years minimum
ITIN Filing History
ITIN Loans in Dixon
You need a valid ITIN, two years of tax returns, and a credit history. Some lenders accept foreign credit profiles if US credit is thin.
Down payments typically start at 15-20%. Stronger credit or more reserves can move that number down.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Dixon.
Dixon sits in Solano County, between Sacramento and the Bay Area. It's a working-class community with real homeownership demand.
Many Dixon residents work, pay taxes, and file returns using an ITIN. That number qualifies you for a home loan — full stop.
You need a valid ITIN, two years of tax returns, and a credit history. Some lenders accept foreign credit profiles if US credit is thin.
ITIN loans are non-QM products. Most banks don't offer them. You need a broker with access to non-QM wholesale lenders.
SRK CAPITAL works with 200+ wholesale lenders. Several specialize in ITIN programs with competitive terms for California borrowers.
The biggest mistake ITIN borrowers make: waiting to build US credit before applying. Some lenders accept Mexican or Latin American credit bureaus directly.
Consistency in your tax filings matters more than income size. Two clean years showing the same filing status moves deals forward fast.
Foreign National loans are for buyers with no US tax history. ITIN loans are better if you live and work here and file US taxes.
Bank Statement loans fit self-employed borrowers who want to use deposits instead of tax returns. ITIN loans still use tax returns — just not an SSN.
Dixon has a significant Latino community. Many residents have established US tax histories with an ITIN but haven't pursued homeownership yet.
As of April 2026, Solano County remains more affordable than Bay Area markets. That matters — ITIN loan limits still apply, and Dixon prices fit them well.
Yes. ITIN loans are designed for exactly this situation. You need tax returns, a down payment, and a credit history — not an SSN.
Most ITIN lenders require 15-20% down. A larger down payment or strong reserves can improve your terms.
Not always. Some lenders accept foreign credit bureau reports if your US credit history is limited or nonexistent.
Yes, typically. ITIN loans are non-QM products and carry higher rates. Rates vary by borrower profile and market conditions.
Most lenders want two years of filed returns under your ITIN. Consistent filings matter more than the income amount shown.
Some ITIN programs allow investment properties. Down payment requirements and rate adjustments are higher than for a primary residence.