How to Buy a Home with a Tax ID (ITIN)

🏡 Yes, You Can Buy a Home Without a Social Security Number!

If you’re working hard, reporting your income, and paying taxes — but don’t have a Social Security Number — you might be wondering: Can I still buy a home?

The answer is YES. You can start by getting pre-approved with one of the ITIN friendly lenders!

🔑 How? With an ITIN (Tax ID)

Many people in the U.S. who don’t have a Social Security Number use an ITIN (Individual Taxpayer Identification Number) instead. This number allows you to legally file taxes — and it can also help you qualify for a mortgage.

🧾 What You Need to Qualify:

Here are a few key things most lenders will look for:

✅ A valid ITIN (Tax ID)

✅ Consistent income (usually proven with pay stubs or tax returns)

✅ At least 2 years of tax filings

✅ A down payment (often 10–20%, depending on the lender)

✅ Identification (like a passport or consular ID)

🏦 ITIN Loans Exist — You Just Need the Right Lender

Not all banks offer ITIN loans, but there are lenders who specialize in working with clients just like you. Some of these lenders understand the challenges and offer programs specifically designed for non-citizen buyers with ITINs.

🤝 You’re Not Alone

I personally work with clients who have ITINs and are ready to become homeowners. I know this journey can feel overwhelming — but with the right guidance, you can achieve the dream of homeownership.

💬 Ready to Take the First Step?

If you’re thinking about buying a home with an ITIN, send me a message today. I’ll walk you through the process, connect you with lenders, and help you find the perfect home — no Social Security Number needed.

📲 Let’s make it happen! Contact me to find out more and let’s work together to find your dream home !