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I Don't Have a Social Security Number and I Want To Buy A House

Pamela Madore
Pamela Madore Mortgage
NMLS 289635

I Don't Have a Social Security Number and I Want To Buy A House


It's OK.  I can help.

If you don't have a SS# then you probably have an ITIN number.  In some instances you may have both.  You employer uses a social security number to pay you and when you file taxes you use your ITIN number.  


Here are some general requirements that many of the lenders I use require:

20% down---10% can be a gift
credit score
2 years tax returns


Downpayment

Most lenders require a minimum of 20% for a down payment.  Many buyers don't keep all of their money in the bank but we will have to show it is in a bank account. We will need to show that it has been in the bank (or credit union) for at least 30 days.

Credit score

Many people think you can't have a credit score with an ITIN.  That is not true.  In order to get the best mortgage you will need a credit score and the higher it is the better your interest rate.

2 Years Tax Returns

If you are a W-2 em…