Question 1

Can I buy a home in Cotati without a Social Security number?

Accepted Answer

Yes. An ITIN loan uses your taxpayer ID instead of an SSN. You'll need a valid ITIN and at least two years of tax history filed under it.

Question 2

What credit score do I need for an ITIN loan?

Accepted Answer

Most lenders want a 620 or higher. If you lack U.S. credit, some lenders accept rent or utility payment history instead.

Question 3

How much do I need to put down?

Accepted Answer

Plan for 15–20% minimum. Higher down payments improve your approval odds and may get you better rates. Rates vary by borrower profile and market conditions.

Question 4

Is an ITIN loan the same as an FHA loan?

Accepted Answer

No. ITIN loans are non-QM and not government-backed. FHA loans require a Social Security number. ITIN loans are a separate private program.

Question 5

Can self-employed borrowers in Cotati use an ITIN loan?

Accepted Answer

Yes. Self-employed ITIN borrowers can often use bank statements to document income. Not all lenders allow this — you need the right wholesale source.

Question 6

Are ITIN loans available for multi-family properties?

Accepted Answer

Most programs cover 1–4 unit properties. That covers most of Cotati's residential inventory. Check with your broker on specific property eligibility.

ITIN Home Loans in Cotati, CA