Yes, You Can Buy a Home Without a Social: A Guide for ITIN Buyers in Middle Tennessee
If you’ve been told you can’t buy a home because you don’t have a Social Security number, let me stop you right there.
You’re working. You’re paying taxes. You’re building a future for your family. And yes.. you absolutely CAN buy a home using your ITIN (Individual Taxpayer Identification Number).
My name is Frank Burks, and I help families in Smyrna, Murfreesboro, Nashville and surrounding Middle Tennessee area become homeowners every single day.
Let’s walk through what you need to know in plain language to turn your dream of owning a home into a clear path forward.
What Is an ITIN?
An ITIN is a number issued by the IRS for people who need to file taxes but aren’t eligible for a Social Security number. It’s often used by: - Immigrants without legal residency - People with certain visa types - Foreign nationals living and working in the U.S.
If you file your taxes using an ITIN, you may qualify for a mortgage designed specifically for borrowers like you.
Can I Really Buy a Home With an ITIN?
Yes. There are lenders (like me) who specialize in ITIN mortgage programs. These are real home loans, designed for people just like you.
You don’t need a green card. You don’t need a Social Security number. You do need:
· A valid ITIN number
· A form of ID (passport, consular card, etc.)
· 2 years of tax returns
· Proof of income (W-2s, 1099s, or self-employed records)
· A down payment (usually 15% or more)
You may also need bank statements or proof of rent payments to help show your payment history.
What If I Don’t Have a Credit Score?
If you don’t have a traditional credit score, that’s okay. Some lenders allow what we call “alternative credit.”
That might include:
- Rent history
- Utility bills
- Cell phone payments
- Car insurance
You can still qualify with the right guidance. That’s where I come in.
How Much Money Do I Need to Buy?
Most ITIN loans require a minimum of 15% down.
That means if you’re buying a $250,000 home, you’ll need about $25,000 saved.
But here’s the good news:
- You can often use gift money from family
- Some programs allow seller-paid closing costs
- I help you compare options so you don’t leave money on the table
Your savings don’t need to be perfect. Let’s make a plan based on what you do have.
What If I’m Paid in Cash or Own a Business?
That’s okay too!
If you’re self-employed or paid in cash, you’ll just need to show consistent income.
That might include:
- Bank deposit records
- Profit & Loss statements (P&Ls)
- Tax returns with your ITIN
We’ll work together to build a case that proves your income is stable and reliable.
What Are the Benefits of Buying With an ITIN Loan?
Build Wealth: Instead of renting, you’re building equity.
Stability: Lock in a fixed payment, not rising rent.
Family Security: Create a permanent place to call home.
Legacy: Set your children up with something of value.
This isn’t just about buying a house—it’s about building your future.
What Makes Me Different?
I’m not some giant bank that doesn’t understand your story. I’m Frank B—aka Mr. Clear2Close—and I serve hardworking families across Middle Tennessee.
I understand the challenges and I know how to get your deal done right.
Ready to Talk?
Let’s sit down and map out your path to homeownership—no pressure, no gimmicks.
📞 Call or text me: (615) 364-5700
🔗 Schedule your 1-on-1 consult: Appointment Calendar
🏠 Start your application: Secure Application
Don’t wait until someone else owns the home you were meant to build memories in.
You don’t need a Social to chase the American Dream.
You just need a plan and someone who believes in you.
Let’s make it happen!