Homeownership Without an SSN
You Don't Need a Social Security Number to Own a Piece of This Country.
ITIN programs for families building a life here. Foreign national programs for investors building a portfolio from abroad.
How It Works
ITIN Borrowers
Qualify with an Individual Taxpayer Identification Number. Alternative credit accepted in many programs (rent history, utilities, insurance). Primary residences welcome. Dignity-forward, milestone framing: homeownership, earned.
Foreign Nationals
Investment and second-home financing for non-US citizens. No US credit required in many programs. Entity vesting available.
Who This Is For
- ·ITIN filers with steady rent history
- ·Mixed-status households buying together
- ·Foreign investors acquiring US property
- ·Second-home buyers from abroad
- ·Non-citizens vesting in an LLC
A Common Scenario
"A family has filed taxes with an ITIN for years, paid rent on the first of the month without fail, and been told the whole time that a mortgage was out of reach. In the right program, that rent history is the credit file, and the lease finally becomes a deed. Illustrative example; every scenario differs."
What You'll Need
- — ITIN letter or valid ITIN
- — Passport or foreign ID
- — 12+ months of rent or utility history
- — Bank statements
- — Employment or business documentation
For Immigration Attorneys
Your clients ask you this question in every consultation. This page answers it, in plain language, without a sales pitch.
Program availability, terms, and qualification vary by scenario.
Scenario Review
Find Out in 60 Seconds If Your Scenario Fits.
60 seconds. No credit pull. No commitment.