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Suisun City sits in Solano County — one of the Bay Area's most affordable entry points. That affordability makes homeownership realistic for ITIN borrowers who've been locked out elsewhere.
ITIN loans are non-QM products. That means they don't follow standard government lending rules, but they are real loans with real lenders.
No — ITIN accepted
SSN Required?
15–20% typical
Min Down Payment
Thin files considered
Credit History
2 years ITIN-filed
Tax Return History
Non-QM / Portfolio
Loan Type
ITIN Loans in Suisun City
You need a valid ITIN issued by the IRS. Lenders also want to see two years of tax returns filed under that ITIN — that's the foundation of your file.
Credit requirements vary by lender. Some accept thin credit files or foreign credit history. Down payments typically run 15–20% for ITIN borrowers.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Suisun City.
Suisun City sits in Solano County — one of the Bay Area's most affordable entry points. That affordability makes homeownership realistic for ITIN borrowers who've been locked out elsewhere.
ITIN loans are non-QM products. That means they don't follow standard government lending rules, but they are real loans with real lenders.
You need a valid ITIN issued by the IRS. Lenders also want to see two years of tax returns filed under that ITIN — that's the foundation of your file.
Most big banks won't touch ITIN loans. This product lives almost entirely in the wholesale and portfolio lending space.
That's exactly where SRK CAPITAL works. We have access to 200+ wholesale lenders, and several of them specialize in ITIN borrowers specifically.
The biggest deal-killer I see with ITIN files is tax returns that don't show enough income. If you've been underreporting, that's a problem. Lenders use what's on the return.
Some lenders offer bank statement options for ITIN borrowers who are self-employed. That can open more doors if your tax returns aren't clean. Rates vary by borrower profile and market conditions.
Foreign National loans are a close cousin — but those are built for non-residents. ITIN borrowers typically live and work in the US. That distinction matters for which program fits.
Bank Statement loans can sometimes work if you have an ITIN and are self-employed. Community Mortgage programs are another angle worth exploring in Solano County.
Suisun City has a working-class, diverse population. Many long-term residents have built strong local roots but never had access to conventional financing. ITIN loans change that.
Solano County's price range often keeps loan amounts under jumbo thresholds. That keeps ITIN loan terms more manageable than in pricier Bay Area markets.
Yes. ITIN loans are designed for exactly that. You don't need a Social Security number to qualify.
Most ITIN lenders want 15–20% down. A larger down payment can help offset a thin credit file.
No. ITIN loans are built for non-citizens who live and work in the US. Citizenship is not a requirement.
Expect to show your ITIN, two years of tax returns, bank statements, and proof of income. Some lenders also request a credit reference letter.
Generally yes. Non-QM products carry more lender risk, which shows up in the rate. Rates vary by borrower profile and market conditions.
Yes, and some lenders accept bank statements instead of tax returns for self-employed ITIN borrowers. That can make income documentation easier.