Do I need an ITIN at all?

No. Neither an ITIN nor a Social Security number is required. An ITIN is accepted if you have one.

Can two people buy together with one SSN and one ITIN?

Yes. The same rule applies to everyone on the purchase: a down payment and steady income.

Can I buy a home with an ITIN instead of a Social Security number?

Published October 7, 2026 · By Marcus Saldana, Founder, and Talyn Jones, Managing Partner, Golden Path Homes

Yes. Golden Path Homes accepts an ITIN, and you do not need an ITIN or a Social Security number to buy. There is no credit check and no bank, so nothing in our approval asks for one. Approval is a down payment and steady income, and the deed is recorded in your name at closing through a title company.

As of October 8, 2026: 119 homes in 25 states, down payments from $10,000 to $60,000.

Why does a bank need an SSN when you do not?

A bank pulls your credit and reports the loan to regulators, and both of those run on a tax number. Golden Path Homes is the seller, not a bank. We finance the home ourselves, we do not run a credit check, and the only things we look at are the down payment and steady income. Nothing in that approval needs a Social Security number or an ITIN, so we do not require either one.

What ID does the title company need at closing?

A government photo ID; the title company sets its own rules, because it is the one recording the deed, and our team walks you through what it will ask for before closing day. Nothing else is checked beyond the down payment and your income.

Can the deed be recorded in my name with an ITIN?

Yes. A deed is recorded with the county by the owner's name, not by a tax number. At closing the title company records the deed in your name, and from that day the home is yours. A third-party loan servicer then collects the monthly payment at a fixed rate from 4.9% to 6.5% for the life of the agreement.

Can I go through the process in Spanish?

Our team can walk through the terms with you in Spanish. Our Spanish pages list the homes available in each city with their terms, starting with casas de dueño a dueño en Houston.

What do I bring?

Three things: the down payment for the home you choose, proof of steady income, and a photo ID for the title company. W-2 wages, self-employment, 1099 contract work and cash income all count, with a basic verification. On the homes available today, down payments run from $10,000 to $60,000, and closing can happen in as little as 14 days. See every available home.

Ready to see available homes?

Browse live owner-finance inventory, or tell our team your budget and where you want to live. No credit pull, no obligation.