Mortgage

Securing an ITIN Mortgage: A Path to Homeownership for Those Without an SSN

Have you been dreaming of owning your own home but find yourself held back by the lack of a Social Security Number (SSN)? 3.5 million people in the United States do not have an SSN. Many, like you, face this same challenge every day. That is until they discovered Individual Tax Identification Number (ITIN) Mortgages and were able to finally secure their dream home.

Five Factors That Impact Your Credit Score

Your credit score is a three-digit number that plays an important role in qualifying you for everything from loans and credit cards to apartment rentals and some insurance policies. It usually falls between 300 and 850 (a higher number is better) and its calculation has a lot to do with the five factors explained below.

Credit History Is More Important Than Credit Score

When applying for most loans, lenders will be sure to focus on your credit score – a three-digit number that plays an important role in qualifying for loans, credit cards, apartment rentals and more. However, your focus should be placed on something else instead: your credit payment history.