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Cotati sits in Sonoma County, a region with a large immigrant workforce. Many residents here earn income and pay taxes — but don't have a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number in place of an SSN. That opens homeownership to people the standard mortgage system ignores.
620 (typical)
Min Credit Score
15–20%
Min Down Payment
No — ITIN accepted
SSN Required?
2 years minimum
Tax Return History
ITIN Loans in Cotati
Lenders want to see steady income, a valid ITIN, and at least two years of tax returns filed under that number. Credit history is reviewed, but some lenders build it from alternative sources.
Down payment requirements run higher than conventional loans. Expect 15–20% down minimum. Reserves matter too — lenders want to see cash left over after closing.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Cotati.
Cotati sits in Sonoma County, a region with a large immigrant workforce. Many residents here earn income and pay taxes — but don't have a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number in place of an SSN. That opens homeownership to people the standard mortgage system ignores.
Lenders want to see steady income, a valid ITIN, and at least two years of tax returns filed under that number. Credit history is reviewed, but some lenders build it from alternative sources.
ITIN loans are non-QM — meaning most big banks won't touch them. You need wholesale lenders who specialize in this niche. Not every broker has access to those programs.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several of them have dedicated ITIN programs with real guidelines — not workarounds.
The most common deal-killer on ITIN files is thin credit. If a borrower has no U.S. credit history, we look for lenders who accept 12 months of rent payment records instead.
Self-employed ITIN borrowers sometimes pair this with a bank statement loan structure. That can work well in Sonoma County where many workers are in trades or seasonal industries.
Foreign National loans are close cousins to ITIN loans — but they're built for buyers who don't live in the U.S. ITIN loans are for residents who live and work here.
Bank Statement loans can also work for ITIN borrowers who are self-employed. The income documentation differs, but some lenders allow both in the same file.
Cotati's housing stock skews toward smaller single-family homes and multi-units. ITIN loan programs generally work on 1–4 unit properties, so most Cotati listings qualify.
Sonoma County has a significant population of farmworkers, tradespeople, and service workers who file taxes under an ITIN. This loan type is genuinely relevant here — not a fringe product.
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.
Most lenders want a 620 or higher. If you lack U.S. credit, some lenders accept rent or utility payment history instead.
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.
No. ITIN loans are non-QM and not government-backed. FHA loans require a Social Security number. ITIN loans are a separate private program.
Yes. Self-employed ITIN borrowers can often use bank statements to document income. Not all lenders allow this — you need the right wholesale source.
Most programs cover 1–4 unit properties. That covers most of Cotati's residential inventory. Check with your broker on specific property eligibility.