Answers by Maribel Mondragon

Yes, it is possible in the U.S. to buy a home even if you don’t have legal immigration papers. There is no federal law that says you must be a citizen or have legal status to own property. Many people without status buy homes using: An ITIN (Individual Taxpayer Identification Number) instead of a Social Security number Cash or certain types of loans (some lenders specialize in this)

Zero down payment loans (limited cases) Programs like: U.S. Department of Veterans Affairs (VA loans) United States Department of Agriculture (USDA loans) Down Payment Assistance Programs (California) It is possible to ask the seller for a concession to cover all or part of the closing costs.

Before looking at houses, you need to understand how much you can afford. Start with: 1. How much savings you have (for down payment + closing costs) 2. Proof of income (pay stubs, cash records, or tax returns) 3. If you have filed taxes (especially with an ITIN, if no SSN) 4. Speak to a trusted lender or banking institution This step is important because it will tell you how much house you can afford.