Green card, work visa, or an ITIN instead of a Social Security number - there is a mortgage conversation worth having at every stage. We are a licensed broker, and finding the lender that accepts your paperwork is exactly what we do.
Immigrants buy homes in America every single day. What actually shapes your mortgage options is a short list of documentation questions: Do you have a Social Security number, or do you file taxes with an ITIN? What status or work-authorization documents do you hold? How is your income documented, and what does your payment history look like?
Those are paperwork questions, not judgments about you. Fair housing law protects every applicant regardless of national origin - lenders evaluate documents, income and credit, and nothing else.
Start wherever you are. Each path below has its own documentation conversation, and we walk all of them.
Green card holders generally see the widest range of loan options. The documentation conversation is usually the shortest of the four.
H-1B, L-1, TN and similar visa workers finance homes regularly. See our dedicated guide at VisaMortgages.com.
Yes, paths exist. We built a whole site on it: DACAMortgages.com covers documentation and what to prepare.
No Social Security number? Some lenders lend to ITIN filers. Read the full guide at HomeLoansInc.com/itin-loans.
This is the part nobody tells you: mortgage lenders do not all follow one rulebook. One bank will not touch an ITIN file; another has a program built for it. One hesitates over a visa renewal date; another weighs your employer and renewal history. When a single bank says no, they are describing their own overlay - not your future.
As a broker we work with many lenders, so our job is matching your exact paperwork to the ones that already work with files like yours. You should never have to guess which door to knock on.
SSN or ITIN, status and work-authorization documents, how your income is recorded. Fifteen minutes, no cost, no pressure.
Pay stubs or tax returns, plus payment history - traditional credit or, on some paths, records like rent and utilities.
We line your file up with lenders that accept your documentation type, and compare what they offer.
You shop for a home with a real preapproval, and we carry the loan through to closing.
Fifteen minutes on the phone tells you which documentation path you are on and what to gather next. No obligation, and the call costs nothing.