Some private lenders offer specialized "ITIN loans." These are not government-backed and often come with stricter requirements, such as down payments of 15% to 30% and higher interest rates. Key Challenges & Risks
Many undocumented buyers pay in full with cash to avoid the complexities of securing a loan. can an illegal immigrant buy a house
Undocumented immigrants are generally ineligible for traditional, government-backed loans like FHA, Fannie Mae, or Freddie Mac mortgages. Some private lenders offer specialized "ITIN loans
This is the most common tool. It is issued by the IRS for tax purposes and can be used in place of an SSN for real estate transactions and some mortgage applications. government-backed loans like FHA