A mortgage where others said no without an SSN and without a perfect history
This is my favorite category — because this is exactly where banks throw up their hands and I find a solution. No SSN, short credit history, modest reported income? That doesn't mean there's no mortgage for you.
When someone is new to America, they don't yet have a full credit history. When they're self-employed and have spent years "optimizing" their taxes, their income looks small on paper. And when they don't even have an SSN — standard programs simply shut down. An ordinary bank works with two or three templates and turns away everyone who doesn't fit. I work differently.
Take a truck driver from Chicago who really earns a hundred and fifty thousand a year but pays pennies in tax on his returns — with paperwork like that, no one qualifies him. But the law spells out programs that American specialists simply don't think of. I work strictly within the law, with no falsification and no "gray" schemes — only the tools that genuinely exist in the law and that few people know how to use.
How it works
- Bank Statement Loan — the bank looks not at tax returns, but at the deposit flow on your statements. Ideal for self-employed people whose real income is higher than what's shown on their returns.
- Foreign National — you can qualify using income and tax documents from your country of origin. It's written into the law, but Americans hardly ever use it, and I do.
- ITIN programs — for people who pay taxes by ITIN, without a Social Security Number. Not having an SSN stops being a wall.
- Working with credit history — if it's thin or damaged, I help prepare your credit file for qualification through closed programs available only to licensed specialists.
There are maybe ten or fifteen Russian-speaking brokers of my profile in all of America. Complex immigrant cases are exactly what I live for.
Who this is for
- People who recently moved and haven't yet had time to build a credit history in the US.
- Self-employed people and business owners whose real income is higher than what's shown on their tax returns.
- People without an SSN who pay taxes by ITIN and thought a mortgage was closed to them.
- People whose main income or assets remain in their country of origin, and who need them counted properly.
- Everyone an "ordinary" broker has already turned away, saying nothing can be done.
What you get
- An honest assessment of your situation without judgment — I know how our incomes and taxes work.
- A program for a non-standard case: Bank Statement, Foreign National, or ITIN — the one that actually fits you.
- Preparation of your credit history and tax basis, if there are a couple more steps before qualification.
- Confidence that everything is done strictly within the law — with no document forgery and no risk to you.
Every case like this is individual, and often it gets solved exactly where others gave up. Bring me your situation — we'll sort it out together on the consultation.
Frequently asked questions
Can I get a mortgage without an SSN?
Yes: there are dedicated programs for those who pay taxes with an ITIN. No SSN is not a verdict — it's an input for choosing the right lender.
My income is in another country — does it count?
Under Foreign National programs you can qualify with income and tax documents from your home country. The key is that it can be documented.
What if my taxes are “optimized down to zero”?
A Bank Statement Loan works here: income is calculated from actual deposits into your account over 12–24 months, not from your tax return.
I've already been denied — is it worth trying?
One bank's denial is one program's decision, not the whole system's. Complex immigrant cases are my specialty: bring your situation and we'll go through the legal options.
Tell me your case — we'll find a legal solution
"If you've already been told a mortgage is impossible, that's not the final verdict. Describe your situation — and I'll honestly tell you what can really be done within the law."
Dmitriy Poltavtsev
Licensed Mortgage Broker · NMLS