The ITIN Loan Guide for Immigrants

You have the income and the down payment. You are missing one number, and it ends every conversation.

You have paid rent in cash for years, on time, without a single late month — while the house you rent doubled in value for somebody else. And every time you ask about buying, someone who has never actually checked tells you it is not possible for people like you.

• You were told no Social Security number means no mortgage, by a loan officer who did not look it up.
• Your income is real but it is self-employed, paid in cash, or earned across two countries.
• You have no US credit file at all, or a thin one that scores badly through no fault of your own.
• You do not know the name of the product to ask for, so every call starts and ends the same way.
• You worry that asking the wrong question somewhere could put something else at risk.
• The one lender who did say yes quoted you a rate you had no way to judge.
• Your landlord has raised the rent twice while your deposit sat in his account.
• Your children are growing up in a house you will never own.

The programs exist and they are ordinary. Nobody had put them in one place for you before.