You do not need a Social Security number to own US property
Mortgage programs exist for buyers the standard system was not built for: ITIN holders living and working in the US, and foreign nationals investing from abroad. Flexible documentation, plain-English guidance, and a team that has walked this path with families like yours.
Is this your situation?
- ITIN holders who live, work and pay taxes in the US without a Social Security number
- Foreign nationals buying a US home or investment property from abroad
- Buyers whose credit history lives mostly outside the US
- Families buying a home for children studying or working in the US
- Investors who want US real estate without US residency
What this program offers
- ITIN programs: qualify with your Individual Taxpayer Identification Number
- Foreign national programs with no US credit history required on select options
- Flexible documentation matched to how your income actually works
- Purchase and refinance options for primary homes and investment property
- DSCR options for investors: the property income qualifies, not yours
- Close in a personal name, LLC, corporation or living trust
- Larger down payments are typical on these programs; we map the exact number to your scenario
- Guidance in plain English at every step, from offer to keys
Four steps, no mystery
Talk
A 15-minute call about your goals and timeline. No documents needed yet.
Pre-Approve
We shop your scenario across wholesale lenders and issue your letter or review.
Lock and Process
We lock your rate at the right moment and manage every document and deadline.
Close
You sign, we fund. On time, with no surprises at the table.
Answered in plain English
What is an ITIN and can I really get a mortgage with one?
An ITIN (Individual Taxpayer Identification Number) is issued by the IRS to people who pay US taxes but are not eligible for a Social Security number. Yes: specific lenders offer mortgage programs that use your ITIN in place of a Social Security number, typically with your tax returns or bank statements documenting income.
I am not a US citizen or resident. Can I buy property in the US?
Yes. There is no citizenship requirement for owning US real estate, and foreign national loan programs are built exactly for this: they rely on your passport, visa or foreign documentation and the strength of the transaction rather than a US credit file.
Do I need US credit history?
Not necessarily. ITIN programs can work with alternative credit references, and several foreign national programs require no US credit history at all. If you have foreign credit reports or banking references, they can help your file.
How much down payment will I need?
More than a standard conventional loan: these programs price for the extra documentation flexibility, and larger down payments are typical. The exact number depends on the program, the property and your profile, which is what the first call establishes. We never quote a figure before seeing the scenario.
How do I document income from another country?
Programs vary: some accept foreign tax returns or an accountant letter, some use bank statements, and DSCR programs for investment property skip personal income entirely and qualify on the rent. We match the documentation path to what you can actually provide.
Can I buy through an LLC, and can family live in the home?
Investor programs commonly allow closing in an LLC or corporation. Whether family can occupy the property depends on the program and occupancy type; tell us the real plan up front and we will pick a program where it fits, honestly.
Does applying affect my immigration status?
A mortgage application is a lending transaction, not an immigration filing, and lenders are not immigration authorities. That said, we are loan professionals, not attorneys; for immigration questions, consult an immigration lawyer. We will coordinate timing with whatever they advise.
Told no because of a missing Social Security number?
Bring us the scenario. If a program exists for it, we know where it lives; and if the honest answer is not yet, we will tell you what changes that.
See If I Qualify