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Healdsburg sits at the heart of Sonoma wine country. A large portion of the local workforce operates without a Social Security number.
ITIN loans exist for exactly this situation. They let borrowers use an Individual Taxpayer Identification Number to qualify for a mortgage instead.
620+
Min Credit Score
10–20%
Down Payment
No
SSN Required
2 Years
Tax Return History
Non-QM / Portfolio
Loan Category
ITIN Loans in Healdsburg
You need a valid ITIN issued by the IRS. Lenders also want to see two years of tax returns filed under that ITIN.
Most lenders require 10–20% down. Credit requirements vary, but a score above 620 gives you the most options.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Healdsburg.
Healdsburg sits at the heart of Sonoma wine country. A large portion of the local workforce operates without a Social Security number.
ITIN loans exist for exactly this situation. They let borrowers use an Individual Taxpayer Identification Number to qualify for a mortgage instead.
You need a valid ITIN issued by the IRS. Lenders also want to see two years of tax returns filed under that ITIN.
Big banks don't touch ITIN loans. These are wholesale, non-QM products held by portfolio lenders.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in ITIN programs with competitive terms.
The biggest mistake ITIN borrowers make is waiting. Filing taxes consistently under your ITIN builds the paper trail lenders want.
Two years of clean returns makes your file strong. One gap year can push approval back another 12 months.
Foreign National loans are for non-residents. ITIN loans target residents who live and work here but lack an SSN.
Bank Statement loans can pair well with ITIN programs if you're self-employed. Some lenders offer hybrid programs covering both.
Healdsburg's ag and hospitality economy employs many ITIN-holding workers. Demand for these loans here is real and steady.
Property values in wine country are high. Expect to need substantial reserves and a solid down payment in this market.
Yes. ITIN loans are designed for this. You don't need an SSN — just a valid ITIN and documented income.
Most ITIN programs require 10–20% down. Higher down payments often get better rates. Rates vary by borrower profile and market conditions.
No. ITIN loans don't require citizenship. You must be a US resident with a valid ITIN and filed tax returns.
Two years of ITIN tax returns are standard. Some lenders also accept bank statements for self-employed borrowers.
Yes, typically. Non-QM programs carry more lender risk. Rates vary by borrower profile and market conditions.
Some lenders allow it. Investment property ITIN loans usually require more down and stronger reserves than primary residence loans.