Frequently Asked Questions

Everything you need to know about credit building, loans, and immigration processes.

Do I need a Social Security Number to build credit?

No. You can build a strong credit history using an ITIN (Individual Taxpayer Identification Number) with many major US banks and credit card issuers.

Can I get a mortgage without US citizenship?

Yes. Permanent residents, DACA recipients, and even non-permanent residents with valid work visas can qualify for conventional and FHA mortgages. There are also specific ITIN mortgage programs.