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Corte Madera sits in Marin County — one of the most expensive housing markets in California. Buying here without a Social Security number is hard. ITIN loans make it possible.
These are non-QM loans — meaning they fall outside standard Fannie Mae guidelines. Lenders who offer them set their own rules, and terms vary significantly.
Varies by lender
Min Credit Score
No — ITIN accepted
SSN Required?
10-20% typical
Down Payment
12-24 months
Tax Return History
Non-QM
Loan Type
ITIN Loans in Corte Madera
You need a valid ITIN — the 9-digit number the IRS issues to people who can't get a Social Security number. That's the baseline.
Most lenders want 12-24 months of tax returns filed under your ITIN. Credit history matters too — some lenders accept alternative credit like rent and utility payment records.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Corte Madera.
Corte Madera sits in Marin County — one of the most expensive housing markets in California. Buying here without a Social Security number is hard. ITIN loans make it possible.
These are non-QM loans — meaning they fall outside standard Fannie Mae guidelines. Lenders who offer them set their own rules, and terms vary significantly.
You need a valid ITIN — the 9-digit number the IRS issues to people who can't get a Social Security number. That's the baseline.
Most big banks won't touch ITIN loans. You won't find these at your neighborhood Chase branch.
Wholesale lenders who specialize in non-QM products handle these. That's exactly where we operate — across 200+ wholesale lenders who compete for this business.
The biggest mistake ITIN borrowers make: waiting. Every year you file taxes under your ITIN, you build the paper trail lenders want to see.
Two years of clean ITIN returns opens far more doors than one year. If you're early in that process, start now — Marin prices aren't getting friendlier.
Foreign National loans are close cousins — but those target buyers without U.S. tax filings at all. If you live and work here and file taxes, ITIN loans are likely the better fit.
Bank Statement loans are another option if you're self-employed. Some lenders will combine your ITIN status with bank statement income — ask specifically about that.
Corte Madera is a tight, high-demand market. Sellers here aren't waiting around for financing to sort itself out — your pre-approval needs to be solid before you make any offer.
As of April 2026, Marin County's housing stock is limited and competitive. ITIN borrowers who come in prepared — strong down payment, documented tax history — can compete.
Yes. ITIN loans are designed for exactly that. You'll need a valid ITIN and documented tax filing history.
Most want 12-24 months of returns filed under your ITIN. Two full years gives you the strongest position.
Requirements vary by lender. Some accept alternative credit history — rent, utilities — if traditional credit is limited.
Expect 10-20% minimum, depending on the lender. A larger down payment can offset a thinner credit profile.
Typically yes — non-QM products carry more risk for lenders. Rates vary by borrower profile and market conditions.
Absolutely — and in Corte Madera you should. Sellers move fast here and won't wait for your financing to catch up.