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West Sacramento has a large immigrant workforce. Many residents pay taxes with an ITIN but don't have a Social Security number.
ITIN loans are non-QM — meaning they fall outside standard government guidelines. Not every lender offers them, but we work with ones that do.
620 (some lenders)
Min Credit Score
15–20%
Min Down Payment
No — ITIN accepted
SSN Required?
2 years under ITIN
Tax Return History
ITIN Loans in West Sacramento
You need a valid ITIN, two years of tax returns filed under that ITIN, and a credit profile. Some lenders accept alternative credit history.
Down payments typically start at 15-20%. The stronger your file, the closer to 15% you'll get. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in West Sacramento.
West Sacramento has a large immigrant workforce. Many residents pay taxes with an ITIN but don't have a Social Security number.
ITIN loans are non-QM — meaning they fall outside standard government guidelines. Not every lender offers them, but we work with ones that do.
You need a valid ITIN, two years of tax returns filed under that ITIN, and a credit profile. Some lenders accept alternative credit history.
Big banks don't touch ITIN loans. Credit unions occasionally offer them, but terms are inconsistent. Wholesale portfolio lenders are where real options live.
We shop ITIN programs across 200+ wholesale lenders. That means we can match your file to a lender whose guidelines actually fit your situation.
The biggest deal-killer we see: tax returns that underreport income. Lenders use what's on the return — not what's in your bank account.
If your returns look thin, a bank statement loan may work better. We'll tell you which path makes sense before you apply anywhere.
Foreign National loans are close cousins to ITIN loans but built for non-residents. If you live and work in the US, ITIN is usually the better fit.
Bank Statement loans don't require an SSN either, through certain lenders. They can work well if your income is self-employment and hard to document on returns.
West Sacramento sits in Yolo County, just across the river from Sacramento. The area has a dense population of agricultural and service-industry workers — many of whom are ITIN filers.
As of April 2026, demand for ITIN financing in this corridor is steady. We work with borrowers here regularly and know which lenders are active in Yolo County.
Yes. ITIN loans exist specifically for this. You don't need an SSN to qualify.
Most lenders want a 620 or higher. Some accept alternative credit like utility and rental payment history.
Typically two years filed under your ITIN. Both years need to show consistent income.
Yes. ITIN loans are non-QM and carry more lender risk. Rates are higher than conventional. Rates vary by borrower profile and market conditions.
Some lenders allow it if the rental income is documented on your tax returns. Ask us which lenders accept it.
No. ITIN loans are designed for non-citizens. Legal residency status requirements vary by lender.