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Vacaville sits between Sacramento and the Bay Area. Many residents here work hard, pay taxes, and build lives — but don't have a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number to qualify. No SSN required. These are non-QM loans, meaning they fall outside standard government guidelines.
Varies by lender
Min Credit Score
15–25% typical
Down Payment
No
SSN Required?
21–30 days
Est. Close Time
ITIN Loans in Vacaville
You need a valid ITIN issued by the IRS. Lenders also want to see two years of tax returns filed under that ITIN, plus steady income documentation.
Credit history matters, but some lenders accept non-traditional credit — like rent and utility payment records. Down payment requirements are typically higher than conventional loans.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Vacaville.
Vacaville sits between Sacramento and the Bay Area. Many residents here work hard, pay taxes, and build lives — but don't have a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number to qualify. No SSN required. These are non-QM loans, meaning they fall outside standard government guidelines.
You need a valid ITIN issued by the IRS. Lenders also want to see two years of tax returns filed under that ITIN, plus steady income documentation.
Most big banks don't offer ITIN loans. This product lives in the non-QM wholesale space. You need a broker with access to the right lenders — not a retail bank branch.
Rates run higher than conventional loans. That's the tradeoff for flexible qualifying. Rates vary by borrower profile and market conditions.
The deals I see fall apart when borrowers mix personal and business finances. Keep clean, separate bank accounts. Lenders need to trace your income clearly.
Some lenders on our panel allow bank statement income for ITIN borrowers instead of tax returns. If your tax returns show low net income, this matters a lot.
Foreign National loans are close cousins to ITIN loans but target non-residents. If you live and work in Vacaville and file US taxes, an ITIN loan is the better fit.
Bank Statement loans overlap here too. Some ITIN borrowers qualify under bank statement programs, which can mean better terms if your deposits are strong.
Vacaville has a significant immigrant workforce in agriculture, logistics, and healthcare. ITIN borrowers here are often established community members with real buying power.
Solano County property taxes and insurance costs factor into your debt-to-income ratio. ITIN lenders calculate this the same way conventional lenders do.
Yes. A valid ITIN plus income documentation and a larger down payment is the basic path. No SSN needed.
Most ITIN lenders require 15–25% down. The exact amount depends on your credit profile and the lender.
Not always. Some lenders accept non-traditional credit like rent and utility payments instead of a formal credit score.
Yes. Rates and fees are higher because these are non-QM loans. Rates vary by borrower profile and market conditions.
Some lenders allow it. You'll need documentation of the rental income, typically 12–24 months of records.
Non-QM loans typically take 21–30 days. Having clean documentation ready upfront keeps things on track.