If my husband does not have a SS number but we work and have been renting for years we know we can buy a house please help.
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Hello Elizabeth,
Thank you for stopping by my site and asking me a question.
You have a unique situation. You have not given me a lot of details so I will try my best here. You will need to talk to a lender, but here's what I found at the HUD.gov website.
If you have applied for a mortgage and the lender finds out that you are not a US citizen, they will have to determine your residency status.
If for example you are a permanent resident alien, then you may be eligible for an FHA insured loan. You would be treated the same as a US citizen. Now if you are a non-permanent resident alien, you might qualify for an FHA loan provided the home will be your principal residence. You must have a valid SS# and be able to work in the USA.
You would have to prove your work status and residency by going through the Bureau of Citizenship and Immigration Services (BCIS). The lender will look for a history of renewals of your residency status. If they can see you have renewed a few times over the past several years, they may assume a continuance will be granted in the future. Now if the lender does not see any renewals, they have to try and determine your status for future renewals through the BCIS.
So then, the long story made short, all borrowers whether US Citizens, non-permanent or permanent aliens, you need your own social security number to get a mortgage.
So it appears that a Social Security number is needed. I've never heard of anybody getting a mortgage without one.
That does not mean it cannot be done since I know citizens of other countries come to the USA and buy houses, I'm juts not sure about the mortgage side of it. If they bring money from their home country and convert it into US currency then they can own a home here.
You situation is different, it sounds like you want to borrow money from a US lender, so without a Social Security number, I don't think it will work. I'm a little stumped on this one.
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