Can I get a mortgage without a Social Security Number?

Yes. Through Foreign National and ITIN loan programs, you can buy a home in the United States without an SSN. Alvorada Mortgage walks you through exactly which documents you need — in Portuguese, English, or Spanish.

Does Alvorada Mortgage offer bilingual support?

Yes. The team speaks fluent English, Portuguese, and Spanish. Roughly 90% of clients are Brazilian, and every step of the process — from application to closing — is available in all three languages.

ITIN Loans, Foreign National & DSCR Loans in Georgia & Florida

Beyond the Banks

Financing Solutions Banks Can't Offer

No Social Security Number? Self-employed? Building a rental portfolio? We have programs designed for your situation — with bilingual support at every step.

Investor / DSCR Programs

Grow your real estate portfolio without tax returns — qualify based on the property's rental income.

DSCR loans — qualify on rental income
Bank statement programs for self-employed
Portfolio lending options
No tax returns required
Investment property financing
Fix-and-flip programs available

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Foreign National Loans

Buy property in the United States as a non-US citizen — no SSN or US credit history required.

No Social Security Number required
Valid passport and visa accepted
Bilingual support (English & Portuguese)
Down payment from 25%
Primary residence or investment
International credit accepted

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ITIN Loans

Homeownership for borrowers with an Individual Taxpayer Identification Number instead of an SSN.

No Social Security Number needed
Alternative credit accepted (rent, utilities)
Down payment from 15%
Available for primary residences
Competitive interest rates
Bilingual application process

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Common Questions

Frequently Asked Questions

A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the property's rental income rather than your personal income. If the rent covers the mortgage payment, you can qualify — no tax returns or W-2s needed.

Yes. Through our Foreign National and ITIN loan programs, you can buy a home in the United States without an SSN. We'll walk you through exactly which documents you need — in Portuguese or English.

Typically: a valid ITIN, proof of income (tax returns or bank statements), proof of residency, and alternative credit references such as rent, utility, or phone bill payment history.

Yes! Our team speaks fluent English and Portuguese. Roughly 90% of our clients are Brazilian, and every step of the process — from application to closing — is available in both languages.

Typically 25% for Foreign National loans and 15% for ITIN loans. Exact requirements vary by lender and property type — contact us for a personalized quote.

Specialty Loan Programs

Financing Solutions Banks Can't Offer

Investor / DSCR Programs

Foreign National Loans

ITIN Loans

Frequently Asked Questions

Have Questions About Specialty Programs?