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Rohnert Park has a large immigrant community. Many residents work, pay taxes, and build lives here — but don't have a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number instead. It's a real mortgage product, not a workaround.
Varies by lender
Min Credit Score
15–20%
Min Down Payment
No — ITIN accepted
SSN Required?
2 years
Tax Returns Needed
Non-QM
Loan Type
ITIN Loans in Rohnert Park
Most ITIN lenders want a valid ITIN, two years of tax returns, and a credit history. Some accept foreign credit profiles if you have no U.S. credit.
Down payments typically start at 15-20%. Rates are higher than conventional loans. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Rohnert Park.
Rohnert Park has a large immigrant community. Many residents work, pay taxes, and build lives here — but don't have a Social Security number.
An ITIN loan uses your Individual Taxpayer Identification Number instead. It's a real mortgage product, not a workaround.
Most ITIN lenders want a valid ITIN, two years of tax returns, and a credit history. Some accept foreign credit profiles if you have no U.S. credit.
Big banks don't do ITIN loans. These come from non-QM wholesale lenders — the kind most borrowers never deal with directly.
As a broker, we have access to 200+ wholesale lenders. We know which ones have competitive ITIN programs and reasonable overlays.
The biggest issue we see: borrowers wait years thinking they can't buy. You can buy with an ITIN. You just need the right lender.
Documentation is everything on these files. Get your last two tax returns, 12 months of bank statements, and proof your ITIN is current.
Foreign National loans are for non-residents. ITIN loans are for people living and working here full-time. That's a key difference.
Bank Statement loans can overlap if you're self-employed. We often compare both programs to find the better rate for your situation.
Sonoma County's housing market includes working-class neighborhoods where ITIN buyers compete against cash and conventional offers.
Rohnert Park sits between Santa Rosa and Petaluma. Inventory is limited. Moving fast with a pre-approval matters here.
Yes. You don't need a Social Security number. Lenders use your ITIN plus tax returns, bank statements, and credit history to qualify you.
Not always. Some lenders accept foreign credit references. Others will build a credit profile from rental and utility payment history.
Most ITIN lenders require 15-20% down. Stronger files with longer credit history may qualify for the lower end of that range.
Yes. Expect a rate premium over conventional loans. Rates vary by borrower profile and market conditions, so shop across lenders.
Plan on two years of tax returns, 12 months of bank statements, a valid ITIN letter, and proof of employment or self-employment income.
Yes. Self-employed ITIN borrowers often qualify using tax returns or bank statements. We compare both to find the strongest path.