Buying a home in San Antonio is an exciting step, whether you picture yourself in a starter house on the South Side, a historic property near downtown, or something in the growing suburbs like Helotes or Converse. For non-U.S. citizens, though, the process feels complicated, especially without a Social Security Number (SSN).

The good news is that you can still buy a home in San Antonio using anIndividualTaxpayerIdentificationNumber(ITIN)mortgageloan.

What Is an ITIN Loan?

An ITIN loan allows you to apply for a mortgage using your taxpayer identification number instead of an SSN. This option is common in San Antonio, where many people work, pay taxes, and want to invest in a home even if they don’t yet have a Social Security Number.

With an ITIN loan, you can:

● Purchase a house and begin building equity.

● Establish or strengthen your U.S. credit history.

● Choose from different property types, from single-family homes to duplexes.

What You’ll Need to Qualify

To get approved for anITINmortgageinSanAntonio, you’ll need to show that you have a valid taxpayer identification number along with steady proof of income, such as tax returns, pay stubs, or bank statements from the last two years. Lenders also look for a stable job history or consistent self-employment income, since this shows reliability.

Unlike traditional mortgages, ITIN loans usually require a larger down payment, often between 10% and 20% of the purchase price, so saving ahead of time is important. If you don’t have a standard credit score, you can still qualify by showing records of on-time payments for things like rent, utilities, or phone bills. A healthy banking history with regular deposits and some savings also strengthens your application.

Steps to Buying a Home Without an SSN

1. Confirm eligibility. Make sure you meet the ITIN loan requirements.

2. Connect with a lender. Not all banks inSanAntonioofferITINloans, so working with New Horizons Lending makes the process smoother.

3. Get pre-approved. This helps you understand your budget and gives sellers confidence in your offer.

4. Save your down payment. Because ITIN loans usually require more upfront, it’s smart to prepare early.

5. Find your home. Choose a real estate agent who understands ITIN financing and the San Antonio market.

6. Apply and close. Submit your documents, complete the approval process, and move into your new home.

Challenges to Expect

ITIN loans often come with higher interest rates and larger down payments than traditional mortgages. If you don’t have a credit score, you may need to provide other proof of financial responsibility. Even with these challenges, many San Antonio residents have successfully bought homes using ITIN loans.

Why Work With New Horizons Lending

At New Horizons Lending, we specialize in helping peoplebuyhomesinSanAntoniowithoutanSSN. Our team knows the local housing market and the unique challenges ITIN buyers face. We guide you through each step with clear explanations and personal support.

If you’re ready to start your homeownership journey, reach out to us today. With the right guidance, owning a home in San Antonio is possible, even without a Social Security Number.