Loading
Loading
Santa Rosa has a large immigrant workforce. Many of these residents pay taxes, build credit, and have stable incomes — but no Social Security number.
ITIN loans exist for exactly this borrower. You file taxes with an ITIN, and lenders use that to qualify you for a mortgage.
620 (varies by lender)
Min Credit Score
12–24 months
Tax Returns Required
10–20%
Typical Down Payment
Non-QM
Loan Type
ITIN Loans in Santa Rosa
Most ITIN lenders want 12-24 months of tax returns filed with your ITIN. They want to see consistent income and a history of paying taxes.
Credit requirements vary. Some lenders accept a 620 score. Others will build a credit profile from alternative sources like rent and utility payments.
Local decision guide
Use this guide to connect itin loans eligibility, lender expectations, and local market factors before comparing payment options in Santa Rosa.
Santa Rosa has a large immigrant workforce. Many of these residents pay taxes, build credit, and have stable incomes — but no Social Security number.
ITIN loans exist for exactly this borrower. You file taxes with an ITIN, and lenders use that to qualify you for a mortgage.
Most ITIN lenders want 12-24 months of tax returns filed with your ITIN. They want to see consistent income and a history of paying taxes.
ITIN loans are non-QM products. That means they don't follow Fannie Mae or Freddie Mac guidelines. A limited pool of lenders offer them.
Most big banks won't touch ITIN loans. You need a broker with access to non-QM wholesale lenders who actively do these deals.
The biggest mistake I see: borrowers wait years thinking they can't buy. You can. The loan exists. The real question is whether your file is ready.
Get your ITIN tax returns filed for at least two years. Keep your credit clean. Those two things move more ITIN deals than anything else.
If you have foreign income and no U.S. credit, a Foreign National loan may fit better. ITIN loans assume U.S.-based income and tax filing.
Bank Statement loans are another option if you're self-employed. But those require a SSN. ITIN loans are specifically built for ITIN filers.
Sonoma County's agricultural and service industries employ thousands of ITIN filers. Santa Rosa sits at the center of that workforce.
As of April 2026, Santa Rosa remains a competitive market. ITIN borrowers who get pre-approved early have a real edge over those still sorting out financing.
Yes. ITIN loans are built for this. You need a valid ITIN and a history of filing U.S. taxes.
Most lenders require 12 to 24 months of returns filed under your ITIN. Two years is the safest target.
Expect 10 to 20 percent down. Some lenders require more depending on your credit profile and loan size.
Yes. ITIN loans are non-QM products and carry higher rates than conventional loans. Rates vary by borrower profile and market conditions.
Some ITIN lenders accept alternative credit — rent, utilities, insurance payments. Not all do. Ask your broker upfront.
No. U.S. citizenship is not required. ITIN loans are designed for non-citizens who pay taxes in the U.S.