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Can You Buy a House Without a Social Security Number

It’s possible to buy a house in the United States without a Social Security Number (SSN). This may seem impossible, as an SSN is used to establish your credit history (essential when securing a mortgage). However, Foreign Nationals who lack an SSN can use an Individual Taxpayer Identification Number to obtain a secured credit card, and then use the card to build up a positive credit history. It’s also possible to prove credit worthiness by showing you pay bills on time. Lenders also like to see that you have large reserves in a liquid US bank account, plus a stable employment history. In the end, a homebuyer without an SSN may need to put down a larger downpayment on a home, but will still be able to buy one.

Key Takeaways:

  • If someone does not have a social security number, an Individual Taxpayer Identification Number can help purchase a house if other requirements are met.
  • Demonstrating that one can get a credit card and make timely monthly payments is important to eventually owning a home without a social security number.
  • Being able to put forward a down payment of 20% or more goes a long way to showing banks you can handle the purchase of a home.

“It may be easier than you think to settle here in the U.S. Rather than a social security number, you will need an ITIN, Individual Taxpayer Identification Number.”

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