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Cloverdale sits at the northern edge of Sonoma County wine country. Many residents here work in agriculture, hospitality, and seasonal industries — and not all of them have Social Security numbers.
ITIN loans exist for exactly this situation. If you file taxes with an Individual Taxpayer Identification Number, you can still buy a home here.
No — ITIN accepted
SSN Required
10-20%
Min Down Payment
12-24 months
Tax Return History
Alt credit accepted
Credit Approach
Non-QM
Loan Category
ITIN Loans in Cloverdale
You need a valid ITIN, a solid rental history, and typically 12-24 months of tax returns filed under that ITIN. Lenders want to see you've been consistent.
Most ITIN lenders require 10-20% down. Credit history is reviewed, but some lenders use alternative credit — utility bills, rent, phone payments.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Cloverdale.
Cloverdale sits at the northern edge of Sonoma County wine country. Many residents here work in agriculture, hospitality, and seasonal industries — and not all of them have Social Security numbers.
ITIN loans exist for exactly this situation. If you file taxes with an Individual Taxpayer Identification Number, you can still buy a home here.
You need a valid ITIN, a solid rental history, and typically 12-24 months of tax returns filed under that ITIN. Lenders want to see you've been consistent.
Big banks don't do ITIN loans. This product lives exclusively in the non-QM wholesale space. That's where we spend most of our time.
SRK CAPITAL works with 200+ wholesale lenders. Several of them specialize in ITIN programs with competitive rates and reasonable down payment requirements. Rates vary by borrower profile and market conditions.
The biggest mistake I see is borrowers who wait because they think homeownership isn't possible without an SSN. It absolutely is.
Get your last two years of ITIN tax returns organized before you apply. Lenders scrutinize income documentation closely on these files. Gaps or inconsistencies slow everything down.
ITIN loans are non-QM, which means higher rates than conventional loans. Bank Statement loans are a close alternative if you're self-employed and have strong deposits.
Foreign National loans serve non-residents. ITIN loans serve residents who live and work here but lack an SSN. That's a meaningful difference — lenders treat these borrower profiles differently.
Cloverdale's economy leans heavily on wine production and agriculture. Seasonal and self-employed income is common here — ITIN lenders are used to underwriting this income type.
Sonoma County property taxes and insurance costs factor into your debt-to-income ratio. Budget carefully — Sonoma is not a cheap county to own in, even in smaller cities like Cloverdale.
Yes. ITIN loans are built for borrowers without an SSN. Your ITIN replaces it throughout the application.
Most ITIN lenders require 10-20% down. Your exact requirement depends on your credit profile and lender.
No. ITIN loans are available to non-citizens who live and work in the US and file taxes with an ITIN.
Many ITIN lenders accept seasonal income. Consistent two-year history documented on tax returns is key.
Yes. ITIN loans are non-QM and carry higher rates than conventional loans. Rates vary by borrower profile and market conditions.
Many accept alternative credit like rent, utilities, and phone payments. Traditional credit scores help but aren't always required.