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ITIN Loans in Suisun City
Suisun City's waterfront homes and commuter access make it a target for buyers working with ITINs. These borrowers often face rejection from traditional lenders despite strong income and work history.
ITIN loans fill the gap between cash-only purchases and conventional financing. They let you build equity in Solano County without needing a Social Security number.
We work with specialized lenders who understand how to verify income for ITIN borrowers. These aren't government-backed loans—they're portfolio products from private lenders who price risk differently.
Most ITIN lenders want 15-20% down and credit scores around 620. You'll need two years of tax returns filed with your ITIN and proof of consistent income.
Employment verification works through pay stubs, employer letters, or bank deposits. Self-employed borrowers can qualify with 1099s and tax returns showing steady earnings.
Rates run 1-2% higher than conventional loans because lenders can't sell these to Fannie Mae. Expect 30-year fixed rates and full documentation of your income sources.
Only about 15 of our 200+ lenders offer ITIN programs. Each one has different overlays on credit, down payment, and documentation.
Some lenders cap loan amounts at $1.5 million. Others won't touch properties over $750,000. We shop your profile across all active programs to find the best fit.
Processing takes 30-45 days because underwriters manually verify everything. No automated approvals exist for ITIN loans—each file gets human review.
Banks turn away ITIN borrowers because they can't package these loans for sale. We access private lenders who keep loans in-house and price based on actual risk.
Your tax filing history matters more than most borrowers think. Lenders want clean returns with no gaps, filed on time for at least two years straight.
Co-borrowers with Social Security numbers don't help you qualify for better rates. The ITIN status of any borrower puts the loan in this category regardless of who else is on title.
Foreign National Loans require larger down payments but work for non-residents. ITIN loans assume you live and work in the U.S. with established credit.
Bank Statement Loans verify income through deposits instead of tax returns. ITIN borrowers with unreported income might qualify better through that route.
Asset Depletion Loans work if you have significant savings but limited tax return income. We often combine strategies depending on what your file shows strongest.
Suisun City property taxes run lower than neighboring Fairfield or Vallejo. This helps ITIN borrowers stretch monthly payments with limited debt-to-income flexibility.
The commute to Bay Area jobs supports higher income verification. Lenders see steady W-2 income from San Francisco or Oakland employers as lower risk.
HOA properties require extra review because some associations have ITIN restrictions. We vet these issues before you write an offer to avoid surprises at closing.
Some lenders go to 15% down with strong credit above 680. Lower down payments almost never clear underwriting on ITIN files.
Expect 30-45 days from application to closing. Manual income verification and tax return analysis takes longer than automated conventional loans.
Most programs include 3-year prepayment penalties to offset the lender's portfolio risk. A few lenders waive this for higher rates.
Yes, you can refinance into another ITIN loan or into conventional financing if your status changes. Equity buildup helps you qualify for better terms.
Two years of ITIN tax returns, recent pay stubs, and employer verification letters. Self-employed borrowers need 1099s and profit-loss statements.
Mortgage financing for independent contractors and freelancers who earn 1099 income instead of traditional W-2 wages.
Mortgage programs that allow borrowers to qualify based on liquid assets rather than traditional employment income.
Non-QM loans that use 12 to 24 months of bank statements to verify income for self-employed borrowers.
Short-term financing that bridges the gap between buying a new property and selling an existing one.
Debt Service Coverage Ratio loans that qualify investors based on a rental property's income rather than personal income.
Mortgage programs designed for non-US citizens and non-permanent residents who want to purchase property in the United States.
Asset-based short-term loans primarily used by real estate investors for property acquisition and renovation projects.
Mortgages that allow borrowers to pay only the interest for an initial period, resulting in lower monthly payments upfront.
Financing solutions tailored for real estate investors purchasing rental properties, fix-and-flip projects, or investment portfolios.
Adjustable rate mortgages held in a lender's portfolio rather than sold on the secondary market, offering more flexible terms.
Non-QM mortgages that use a CPA-prepared profit and loss statement to verify income for self-employed borrowers.
Home loans with interest rates that adjust periodically based on market conditions after an initial fixed-rate period.
Specialized mortgage programs designed to support homeownership in underserved communities with flexible qualification criteria.
Mortgages that meet the guidelines and loan limits set by Fannie Mae and Freddie Mac for secondary market purchase.
Financing for building a new home or making major renovations, typically converting to a permanent mortgage upon completion.
Traditional mortgage financing not backed by a government agency, offering flexible terms and competitive rates for qualified borrowers.
Innovative loan products that leverage projected home equity growth to provide favorable financing terms.
Government-insured mortgages from the Federal Housing Administration with low down payments and flexible credit requirements.
A revolving line of credit secured by your home equity that allows you to borrow funds as needed during a draw period.
A fixed-rate second mortgage that provides a lump sum of cash by borrowing against the equity built in your home.
Mortgages that exceed the conforming loan limits set by the FHFA, designed for financing high-value luxury properties.
Loans for homeowners aged 62 and older that convert home equity into cash without requiring monthly mortgage payments.
Government-backed zero down payment mortgages for eligible rural and suburban homebuyers who meet income limits.
Government-guaranteed mortgages for eligible veterans, active-duty service members, and surviving spouses with zero down payment.