No SSN. Not a problem if you know where to go.
Non-US citizens buying property in Texas. The lender pool is small but I know who actually closes these files.
Overview
If you're a non-US citizen buying property in the United States, the mortgage process is different. No Social Security number required. Credit evaluation uses alternative methods. Down payment expectations are higher. The lender pool is smaller.
The biggest risk isn't the documentation or the rate. It's starting with a lender who says they can do this and then can't close. That wastes months. I match you with lenders who actually close foreign national files. Not lenders who claim to and then stall.
Key Details
How I Handle This
I start with your residency status, documentation availability, and goals. Then match you with lenders who specialize in these files. I assemble the documentation package before submission so we're not going back and forth one item at a time.
Questions I Get
Do I need a Social Security number?
No. Foreign national programs don't require one.
Can I buy investment property?
Yes. Investment and second homes are the most common purchases.
How is credit evaluated?
International credit reports, bank references, or foreign payment history. Some lenders perform minimal evaluation with strong down payments.
Can I hold in an LLC?
Yes. Many foreign buyers use a US-formed LLC for title.
Purchasing property from abroad?
Send me your situation. I'll tell you which lenders fit and what you need to get started.