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Fairfield has a large immigrant population. Many residents earn strong incomes but don't have a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number instead. You can buy real property in Fairfield without a SSN.
Alt credit accepted
Credit Approach
15–20% typical
Down Payment
2 years required
Tax Filing History
Non-QM / Portfolio
Loan Type
No — ITIN accepted
SSN Required?
ITIN Loans in Fairfield
You need a valid ITIN and at least two years of tax returns filed with that number. Lenders want to see a consistent income history.
Most ITIN programs require 15–20% down. Your credit profile still matters — some lenders build one using alternative trade lines.
Big banks don't do ITIN loans. This is a non-QM product — only portfolio lenders and specialty wholesale lenders offer it.
Rates run higher than conventional. That's the tradeoff for a program that serves borrowers most banks turn away. Rates vary by borrower profile and market conditions.
The biggest mistake ITIN buyers make is waiting. Some think they need to fix their file for years. Many are closer to approval than they realize.
We shop ITIN programs across 200+ wholesale lenders. Terms vary widely — one lender's decline is another lender's approval.
If you have foreign income and no U.S. tax history, a Foreign National loan may fit better than an ITIN loan.
Self-employed ITIN borrowers sometimes pair an ITIN program with bank statement income. That combo opens more doors in Fairfield.
Fairfield sits between Sacramento and San Francisco. Prices are lower than Bay Area cities, making down payment hurdles more manageable here.
Solano County's workforce includes many essential and trade workers. ITIN loans serve that community directly — and homeownership builds equity others leave on the table.
Yes. ITIN loans are designed for this. You need your ITIN, two years of tax returns, and sufficient down payment.
Most programs require 15–20% down. Some lenders go lower with strong compensating factors like reserves or long job history.
Yes — ITIN loans are non-QM and carry higher rates. Rates vary by borrower profile and market conditions.
Two years of ITIN-filed tax returns is the standard. Some lenders also accept bank statements for self-employed borrowers.
Some lenders allow it. Most ITIN programs prioritize primary residences, but investment property options exist through specialty lenders.
Not always. Many ITIN lenders accept alternative credit — on-time rent, utility payments, or foreign credit history.