But, if his situation is that he has a tax ID, but no employment authorization card, no resident alien card, meaning his US residence status is illegal, than he would not be eligible for a mortgage. With this situation I know only once company who does loans to people with your huaband's situation, you can email me and I'll send you their info.
I do want to say, even though its not my experience of expertise, if you're a US citizen and you guys are legally married, I believe it's about a 6 month process for him to obtain an employment authorization along with a social security card. By him showing his tax returns, even though it'll have his tax ID # as oppose to a SSN, he can document his 2+ years employment history. He doesn't necessarily need to have his SSN for 2 years.
Feel free to contact me and if be more than happy to give you the information of that company who lends to tax ID borrowers. Good luck!
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Senior Loan Officer
STERLING NATIONAL BANK
310 Crossways Park Drive
Woodbury, NY 11797
(516) 606-9648 Cell
(631) 659-2011 Office
(516) 918-5383 Fax
The Federal Housing Administration (FHA) program allows for a person with valid work authorization and a history of renewing the work authorization along with a tax ID to qualify for FHA Insured mortgage financing. That having been said, in the current lending environment, many differenty Lenders have varying criteria on the acceptability of this qualifying scenario.
Your best bet is to meet with a Local Mortgage Banker to get Prequalified.
PowerHouse Solutions, Inc.
1010 Northern Blvd. Suite 234
Great Neck NY 11021
Licensed Mortgage Banker â€“ NYS Dept. of Financial Services
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