Is a SSN required?
My bf doesn't have a SSN. Can I still use his income? by joelw120 from Tualatin, Oregon. Aug 26th 2020
Bert Carpenter (BertCarpenter)
#37 ranked lender in Arizona - 2,431 contributions
The answer depends on WHY he does not have one, but as a general rule, in order to obtain a mortgage, the borrower must have either a SSN or a TIN issued TO THEM by the SSA / IRS. If he has neither, then, as I understand the law, he is not able to legally work in the US and therefore, a lender will not use the income for qualifying for a loan. ~ Bert Carpenter, The LoansA2z Team of NEXA Mortgage ~ NMLS 40586 ~ Licensed in Arizona, California, Georgia, Oregon, and Washington. Need help in other states? We've got you covered. NEXA Mortgage is licensed in 46 states ~ www.ApplyYes.com 480-889-9000.
Joe Metzler (JoeMetzler)
#17 ranked lender in Minnesota - 4,848 contributions
The quick answer is NO... Bert gave a good long answer.
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