Can you buy real estate without a social security number?

This is how ITIN mortgage loans work for homebuyers

ITIN mortgage loans are designed to help homebuyers who don’t have a traditional Social Security number obtain a home loan. These types of loans are offered by some lenders and require the borrower to provide their Individual Taxpayer Identification Number (ITIN) instead of a Social Security number. This type of loan is typically available to those who are not eligible for a conventional mortgage loan due to their immigration status.

To apply for an ITIN mortgage loan, the borrower will need to provide their ITIN, proof of income, and proof of residence. The lender will also review the borrower’s credit history as part of the loan application process. The loan terms are similar to those of a traditional loan and the borrower will be required to make a down payment of at least 5-10%.

ITIN mortgage loans are a great way for non-citizens and those without a Social Security number to become homeowners. However, borrowers should be aware that these loans typically have higher interest rates than conventional mortgage loans. Additionally, some lenders may require additional documentation, such as a valid passport or driver’s license.

I am not a lender but I can connect you to some great ones that offer this product.

For more information:

The Bowen Group, licensed in Virginia


We’d love to connect with you!
The Bowen Group

Bowen Group Realty, LLC
The Bowen Group

Serving the Entire Hampton Roads Area


Welcome to The Bowen Group

The Bowen Group is an independent real estate brokerage, committed to providing outstanding service and value to buyers and sellers. We are widely recognized as the preeminent real estate company in the Hampton Roads area. We are known for developing quality working relationships with our clientele; relationships based on respect, integrity, and trust.

The Bowen Group is a licensed real estate agency in Suffolk Virginia. 3575 Bridge Road. Ste. 8, Suffolk VA 23435