🏠 Brivisto Home Financing FAQ

Your Questions Answered: Buy a Home in the U.S. — With or Without Legal Status

Can I buy a home in the U.S. if I don’t have a Social Security Number?

Yes, absolutely. Many people use an ITIN (Individual Taxpayer Identification Number) to buy a home. Even if you don’t have an SSN or a valid visa, you may still qualify for a mortgage through special lending programs designed for immigrants and undocumented individuals.

What if I don’t even have an ITIN?

You may still qualify. While having an ITIN expands your financing options, Brivisto works with select lenders who consider alternative documentation. We also help you apply for an ITIN quickly and legally, even if your visa has expired — thanks to our status as an IRS Certifying Acceptance Agent (CAA).

Do I need a visa or legal status to buy a home in the U.S.?

No. There are no laws preventing non-citizens — including undocumented immigrants — from owning property in the U.S. Financing is more complicated, but Brivisto specializes in guiding people through that process, no matter their status.

How is Brivisto different from other companies offering mortgage help?

We don’t just know the system — we helped build it. Our team includes former mortgage loan officers and professionals who understand what banks really want to see.

We also offer something other companies can’t:

🔒 A proprietary method of forming a business that helps you avoid high down payments.

By setting up a company in a specific way — using a structure, NAICS code, and strategy only we know — we can often help clients qualify for better mortgage terms or avoid the typical 20%+ down payment. This is a strategy you won’t find online, and many lenders and attorneys don’t even know it’s possible.

Do I need tax returns or a W-2 to qualify?

Not always. While traditional loans require those documents, many ITIN-based and Brivisto-partnered programs allow for flexible documentation, including:

  • Self-employed income statements

  • Rental history

  • Cash deposit verification

  • Employer letters

We evaluate your personal situation and build the strongest file possible.

How much do I need for a down payment?

Most lenders require 20% or more for ITIN or undocumented borrowers — unless you work with Brivisto.

We can help you:

  • Use gifted funds legally

  • Explore private and community-backed lending options

  • Form a strategic business entity that makes your application stronger — and your down payment smaller

Can forming a business really help me buy a home?

Yes — and it’s one of our most powerful tools.

We’ve developed a unique method of forming a company that not only opens business credit opportunities, but can also be structured to:

  • Strengthen your loan application

  • Provide proof of income

  • Improve bank perception of your financial profile

Most immigrants and undocumented workers don’t realize this is an option — and other services like LegalZoom don’t offer it because they don’t understand what banks look for. We do.

How long does the process take?

From consultation to home purchase can take as little as 30–60 days, depending on readiness. We help with:

  • Pre-approval prep

  • Document collection

  • Lender selection

  • Closing support

Can owning a home help my immigration case?

In many cases, yes. While it doesn’t change your status directly, owning property can demonstrate:

  • Long-term ties to the U.S.

  • Financial responsibility

  • Community contribution

  • Good moral character

This can be helpful in adjustment of status, cancellation of removal, or future green card applications.

Why choose Brivisto?

  • 🏦 Mortgage professionals on staff — not just paper pushers

  • 🔍 Deep industry knowledge and real connections with lenders

  • 🛠 Business structure strategies no one else offers

  • 📚 Bilingual and culturally sensitive service

  • ✅ ITIN, non-ITIN, and undocumented-friendly solutions

🏡 Ready to Take the First Step?

Don’t let your immigration status, income documentation, or lack of credit history hold you back. At Brivisto, we remove the barriers others can’t — and help you secure the home your family deserves.

📞 Call now for your free consultation: 848.668.4151
🌐 Visit: www.brivisto.com