{"id":22537,"date":"2024-07-02T10:26:43","date_gmt":"2024-07-02T15:26:43","guid":{"rendered":"https:\/\/borderlessmag.org\/?p=22537"},"modified":"2025-10-09T10:24:32","modified_gmt":"2025-10-09T15:24:32","slug":"chicago-compra-de-vivienda-no-ciudadanos-titulares-de-itin-prestamos-para-la-compra-de-vivienda-indocumentados","status":"publish","type":"post","link":"https:\/\/borderlessmag.org\/es\/2024\/07\/02\/chicago-home-ownership-noncitizens-itin-holders-homebuying-loans-undocumented\/","title":{"rendered":"Comprar una casa es dif\u00edcil. Es a\u00fan m\u00e1s dif\u00edcil cuando eres indocumentado."},"content":{"rendered":"\n\t\t<div id=\"fws_69f3847139ecf\"  data-column-margin=\"default\" data-midnight=\"dark\"  class=\"wpb_row vc_row-fluid vc_row\"  style=\"padding-top: 0px; padding-bottom: 0px; \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"false\"><div class=\"inner-wrap row-bg-layer\" ><div class=\"row-bg viewport-desktop\"  style=\"\"><\/div><\/div><\/div><div class=\"row_col_wrap_12 col span_12 dark left\">\n\t<div  class=\"vc_col-sm-2 vc_hidden-sm vc_hidden-xs wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone \"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-8 wpb_column column_container vc_column_container col padding-3-percent inherit_tablet inherit_phone \"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t\n<div class=\"wpb_text_column wpb_content_element \" >\n\t<p><span style=\"font-weight: 400;\">Several times throughout the home-buying process, Jorge wanted to throw in the towel. The journey of owning a home was longer and more complicated than he imagined.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">He was buried under a mountain of paperwork and endless requests for financial statements and records. Qualifying for a loan became progressively overwhelming, especially when juggling work and other responsibilities. \u201cI was starting to regret it,\u201d Jorge said. \u201cI got tired.\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But his wife encouraged him to continue working with the lender. And earlier this month, he received the keys to his new home. <\/span><\/p>\n<\/div>\n\n\n\n<div class=\"templatera_shortcode\">\n\t\t<div id=\"fws_69f384713b7bd\"  data-column-margin=\"default\" data-midnight=\"dark\"  class=\"wpb_row vc_row-fluid vc_row vc_row-o-equal-height vc_row-flex vc_row-o-content-middle small\"  style=\"padding-top: 0px; padding-bottom: 0px; \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"false\"><div class=\"inner-wrap row-bg-layer\" ><div class=\"row-bg viewport-desktop\"  style=\"\"><\/div><\/div><\/div><div class=\"row_col_wrap_12 col span_12 dark left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone border_color_909090 border_style_solid \"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t\n\t\t<div id=\"fws_69f384713c655\"  data-column-margin=\"default\" data-midnight=\"dark\"  class=\"wpb_row vc_row-fluid vc_row vc_row-o-equal-height vc_row-flex vc_row-o-content-middle large top_margin_20px bottom_margin_20px\"  style=\"padding-top: 0px; padding-bottom: 0px; \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"true\"><div class=\"inner-wrap row-bg-layer\" ><div class=\"row-bg viewport-desktop\"  style=\"\"><\/div><\/div><div class=\"row-bg-overlay row-bg-layer\" style=\"background: #FFFFFF; background: linear-gradient(90deg,#FFFFFF 0%,#FFFFFF 100%);  opacity: 1; \"><\/div><\/div><div class=\"row_col_wrap_12 col span_12 dark left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col padding-3-percent force-phone-text-align-center inherit_tablet inherit_phone border_top_desktop_1px border_bottom_desktop_1px border_color_FFFFFF border_style_solid \"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div id=\"fws_69f384713cf29\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex vc_row-o-content-middle\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-7 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone \"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t\n<div class=\"wpb_text_column wpb_content_element \" >\n\t<h4 id=\"news-that-puts-power-under-the-spotlight-and-communities-at-the-center\"><strong>News that puts power under the spotlight and communities at the center.<\/strong><\/h4>\n<p>Sign up for our free newsletter and get updates twice a week.<\/p>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div style=\"margin-top: -20px; \" class=\"vc_col-sm-5 wpb_column column_container vc_column_container col child_column neg-marg no-extra-padding inherit_tablet inherit_phone \"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t\n\t<div class=\"wpb_raw_code wpb_raw_html wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"_form_1\"><\/div><script src=\"https:\/\/borderlessmag.bluelena.io\/f\/embed.php?id=1\" charset=\"utf-8\"><\/script>\n\t\t<\/div>\n\t<\/div>\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div><\/div>\n<div class=\"wpb_text_column wpb_content_element \" >\n\t<p><span style=\"font-weight: 400;\">The long, windy path to homeownership began more than two years ago for Jorge\u2019s family. He first seriously considered buying a home when he realized rent was becoming increasingly unaffordable in Pilsen \u2014 a historic port of entry for immigrants that has grappled <\/span><a href=\"https:\/\/blockclubchicago.org\/2018\/12\/04\/rising-neighborhoods-developer-seminar-angers-residents-of-gentrifying-pilsen-sheer-disrespect\/\"><span style=\"font-weight: 400;\">with rising rents<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.chicagomag.com\/real-estate\/november-2019\/the-median-listing-price-in-pilsen-is-nearly-500k\/\"><span style=\"font-weight: 400;\">increasing home prices, <\/span><\/a><span style=\"font-weight: 400;\">and <\/span><a href=\"https:\/\/blockclubchicago.org\/2021\/08\/19\/anger-and-panic-as-pilsen-landlords-scramble-to-appeal-skyrocketing-tax-assessments\/\"><span style=\"font-weight: 400;\">skyrocketing property taxes.<\/span><\/a><span style=\"font-weight: 400;\"> Back in 2022, he reached out to a local community development organization, the Resurrection Project, to learn how to buy his first home.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">From workshops and meetings, he discovered the complexities of the home-buying process and how expensive it can be, especially for people like him who are undocumented. Borderless is only using Jorge\u2019s first name because of his immigration status.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Undocumented immigrants can buy a house, but their immigration status poses unique challenges. Noncitizens face limited financing options and stricter lending requirements, with some ITIN home loans requiring a minimum 20% down payment and sometimes interest rates as high as 10 percent. However, some local lenders and homebuying counselors suggest that more financing opportunities are becoming available for noncitizens in Greater Chicago. These options are opening the door to homeownership for a population often overlooked by lenders.\u00a0<\/span><\/p>\n<h2 id=\"decades-of-limited-finance-options-for-noncitizens\"><span style=\"font-weight: 400;\">Decades of limited finance options for noncitizens\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">For decades, noncitizens have faced a narrow path to homeownership.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Lizette Carretero, the director of financial wellness at the Resurrection Project, said there are limited finance options for Taxpayer Identification Number (ITIN) holders or noncitizens who can&#8217;t get a social security number.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For about a decade, she only referred her noncitizen clients to one lender, Self-Help Federal Credit Union. That is because the lender was among the only ones Carretero knew offered home loans to ITIN holders.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">According to a <\/span><a href=\"https:\/\/www.urban.org\/sites\/default\/files\/2024-02\/ITIN%20Mortgages.pdf\"><span style=\"font-weight: 400;\">February report by the Urban Institute<\/span><\/a><span style=\"font-weight: 400;\">, lenders face challenges in offering mortgage products to noncitizens, and very few offer them as they are niche products. Among these challenges is that ITIN loans don\u2019t generally qualify for backing from a secondary market. Government-sponsored enterprises such as Fannie Mae and Freddie Mac generally don&#8217;t buy ITIN loans, and the Federal Housing Administration won&#8217;t insure mortgages if the borrower can&#8217;t prove legal U.S. residency.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Jorge, who worked with a counselor at the Resurrection Project, took out a loan with 7.6 % interest. \u201cI don\u2019t know if that is a lot or a little, Jorge said.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is low for home loans for ITIN holders, but it is becoming more common for Carretero\u2019s clients.\u00a0<\/span><\/p>\n<\/div>\n\n\n\n\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-2 vc_hidden-sm vc_hidden-xs wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone \"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t<div id=\"fws_69f384713f51a\"  data-column-margin=\"default\" data-midnight=\"dark\"  class=\"wpb_row vc_row-fluid vc_row\"  style=\"padding-top: 0px; padding-bottom: 0px; \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"false\"><div class=\"inner-wrap row-bg-layer\" ><div class=\"row-bg viewport-desktop\"  style=\"\"><\/div><\/div><\/div><div class=\"row_col_wrap_12 col span_12 dark left\">\n\t<div  class=\"vc_col-sm-2 vc_hidden-sm vc_hidden-xs wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone \"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-8 wpb_column column_container vc_column_container col padding-3-percent inherit_tablet inherit_phone \"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div id=\"fws_69f384713ffe5\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone border_bottom_desktop_1px border_color_000000 border_style_solid \"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_sep_color_black wpb_content_element vc_separator-has-text\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span class=\"vc_sep_line\"><\/span><\/span><h4 id=\"read-more-of-our-coverage\">Read More of Our Coverage<\/h4><span class=\"vc_sep_holder vc_sep_holder_r\"><span class=\"vc_sep_line\"><\/span><\/span>\n<\/div>\n<div class=\"wpb_text_column wpb_content_element \" >\n\t\t\t<div class=\"pk-inline-posts\">\n\t\t\t\n\t\t\t<div class=\"pk-inline-posts-container pk-inline-posts-template-list\"\n\t\t\t\tdata-columns=\"1\">\n\t\t\t\t\t\t<article id=\"post-19767\" class=\"post-19767 post type-post status-publish format-standard has-post-thumbnail category-as-told-to category-immigration-policy tag-piotrowskishelter\">\n\t\t\t<div class=\"pk-post-outer\">\n\n\t\t\t\t\t\t\t\t<div class=\"pk-post-inner\">\n\t\t\t\t\t<div class=\"entry-thumbnail\">\n\t\t\t\t\t\t<div class=\"pk-overlay pk-overlay-ratio pk-ratio-landscape\">\n\t\t\t\t\t\t\t<div class=\"pk-overlay-background\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/borderlessmag.org\/es\/2023\/08\/30\/chicago-migrant-shelter-little-village\/\" class=\"pk-overlay-link\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/borderlessmag.org\/wordpress\/wp-content\/uploads\/2023\/08\/Cardayns_Gonzalez_Crystal_Gonzalez-02-web.jpg\" class=\"attachment-pk-thumbnail size-pk-thumbnail wp-post-image\" alt=\"\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"pk-post-inner\">\n\t\t\t\t\t<header>\n\t\t\t\t\t\t<h3 class=\"pk-title\"><a href=\"https:\/\/borderlessmag.org\/es\/2023\/08\/30\/chicago-migrant-shelter-little-village\/\" rel=\"bookmark\">Sheltered in a Chicago Fieldhouse, Migrants Dream of Better Future<\/a><\/h3>\t\t\t\t\t\t\t<div class=\"pk-post-meta\">\n\t\t\t\t\t\t\t\t<span class=\"pk-meta-author meta-author\"><span class=\"author vcard\"><a class=\"url fn n\" href=\"https:\/\/borderlessmag.org\/es\/author\/efrain\/\" title=\"View all posts by Efrain Soriano\">Efrain Soriano<\/a><\/span><\/span>\t\t\t\t\t\t\t\t<span class=\"sep\">\u00b7<\/span>\n\t\t\t\t\t\t\t\t<span class=\"pk-meta-date meta-date\"><a href=\"https:\/\/borderlessmag.org\/es\/2023\/08\/30\/chicago-migrant-shelter-little-village\/\" rel=\"bookmark\">agosto 30, 2023<\/a><\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/header><!-- .entry-header -->\n\t\t\t\t<\/div><!-- .post-inner -->\n\n\t\t\t<\/div><!-- .post-outer -->\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n<div class=\"wpb_text_column wpb_content_element \" >\n\t<p><span style=\"font-weight: 400;\">In the past, Carretero had been helping her clients acquire loans with a 20% down payment and interest rates of upwards of 10%. However, in recent years, she\u2019s learned of more home loan options for ITIN holders to refer her clients to.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some local financial institutions in different parts of the country are interested in adapting to the market. According to Amalie Zinn, one of the authors of the Urban Institute study, lenders who offer ITIN home loan products say there is more demand than is currently being served. The ones based in communities with a large Latino population, especially the credit unions, told Zinn that serving noncitizens gives them more credibility in their communities.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Gabriela Roman, a loan originator at Devon Bank, said she has received interest from loan officers at small and large lenders inquiring about their ITIN loan product. They want to understand what it might look like to offer such a product. She said low delinquency rates \u2014 the percentage of loans with past-due payments \u2014 make it an attractive option despite the challenges.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A <\/span><a href=\"https:\/\/inclusiv.org\/wp-content\/uploads\/2019\/03\/2018.ITIN_.Lending.Guide_.pdf\"><span style=\"font-weight: 400;\">2016 pilot of ITIN lending<\/span><\/a><span style=\"font-weight: 400;\"> by the Filene Research Institute showed low delinquency rates and high demand for ITIN-holder lending products.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Despite a gradual expansion of finance options and growing interest from lenders, noncitizens still face several barriers, especially navigating credit scores and other financial practices common in buying homes.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When Jorge immigrated from Mexico to Chicago more than two decades ago, he made it his mission to pay off family debt back home.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A few years after arriving, he married his wife, and they later became a family of four. During that time, he worked two full-time restaurant jobs. He had no car payments, no credit cards, and no extra bills like cable that he felt were unnecessary. Jorge thought avoiding debt, paying his bills on time and saving would show that he was a responsible candidate to be trusted with a mortgage, but it was more complicated than he expected.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cIn this country, you have to have debt and pay off that debt to have a credit score, and that\u2019s what [the Resurrection Project] taught me,\u201d Jorge said. \u201cNow I have a good credit score.\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Still, most conventional mortgages require a social security number to verify identity and run a credit score, but undocumented immigrants do not have one. Many also try to avoid debt, and some like to keep their cash at home, said Brenda Zamudio of Devon Bank, a bank that serves\u00a0 Cook and Lake County and offers home loan products to ITIN holders.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Josefina started looking into buying a home in April. Like Jorge, she had no idea she needed a credit score. She was also surprised to learn that even if she does qualify for a home loan, the interest would be higher, and the down payment would be larger than it would be for a conventional loan that someone with social security could be eligible for.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Josefina, who is undocumented from Mexico, hopes to be able to buy a house within a couple of years and move out of her small two-bedroom apartment on Chicago\u2019s South Side. She is working on building her credit but is keeping her mind open to not buying if the process isn\u2019t worth it for her.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cWe were shocked,\u201d said Josefina. \u201cIt was a bit overwhelming.\u201d\u00a0<\/span><\/p>\n<h2 id=\"a-gradual-expansion-of-home-loans-for-itin-holders\"><span style=\"font-weight: 400;\">A gradual expansion of home loans for ITIN holders\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Across the U.S., an estimated <\/span><a href=\"https:\/\/www.urban.org\/sites\/default\/files\/2024-02\/ITIN%20Mortgages.pdf\"><span style=\"font-weight: 400;\">5,000 to 6,000 ITIN mortgages were made in 2023<\/span><\/a><span style=\"font-weight: 400;\">, but this could be up to 73,000 to 88,000 if these market barriers were removed, according to the Urban Institute study.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Researchers found that with the majority of ITIN holders being Latino, some lenders and community development organizations across the country see opportunities to access an untapped and underserved market. A 2021 study<\/span><a href=\"https:\/\/www.urban.org\/research\/publication\/future-headship-and-homeownership\"><span style=\"font-weight: 400;\"> showed <\/span><\/a><span style=\"font-weight: 400;\">that the rapid growth of the Latino population is poised to drive nearly 70 % of net ownership gains through 2040.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Carreterro said that about 40% of The Resurrection Project clients looking to buy a home are undocumented. This year, the organization launched its own home loan for ITIN holders to offer mortgage products accessible to undocumented immigrants. In February, the Resurrection Project made 10 loans available. Those loans have already been lent and they are working to offer more this year, said Carretero.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cWe host homebuyer classes each month, so we essentially continuously build a pipeline of educated buyers,\u201d she said. \u201cIn that process, we analyze their situation and try to pair them with a loan product that can fulfill the needs that they are looking for as far as qualifying for a home.\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Carreterro said the organization is working to raise more capital to offer more of these loans, which were made possible by partnering with Heartland Bank and Trust Company. The bank offers a loan that requires a 20% down payment, 17% of which the Resurrection Project provides, so the borrower only needs to contribute 3%. Borrowers must have a credit score of at least 640 and a low debt-to-income ratio.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The program is one part of a larger strategy by the nonprofit organization to support community development and combat gentrification. The organization also develops affordable housing rentals and supports families in homebuying and financial literacy.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Other local lenders have also recently started offering home loan products for ITIN holders. Devon Bank began offering a home loan product for ITIN holders in 2019. They evaluate a client\u2019s debt-to-income ratio instead of requiring a credit score. They initially required a 20 % down payment and had only a handful of borrowers in the first few years. After decreasing their down payment requirement to 10% in the spring of 2023, they saw an increase in the number of ITIN loans closed. Roman said they project closing about 20 of these loans by the end of this year, up from seven in 2013. Last December they also launched a refinancing loan for ITIN holders.<\/span><\/p>\n<\/div>\n\n\n\n\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-2 vc_hidden-sm vc_hidden-xs wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone \"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t\n\t<div class=\"wpb_widgetised_column wpb_content_element\">\n\t\t<div id=\"sidebar\" data-nectar-ss=\"true\" class=\"wpb_wrapper\">\n\t\t\t<div id=\"custom_html-4 1articleright\" class=\"widget_text widget widget_custom_html\"><h3 id=\"wordpress-popular-posts\" class=\"widget-title\">WordPress Popular Posts<\/h3><div class=\"textwidget custom-html-widget\"><h4 id=\"trending-posts\" class=\"widget-title\">Trending Posts<\/h4><div class=\"wpp-shortcode\"><script type=\"application\/json\" data-id=\"wpp-shortcode-inline-js\">{\"title\":\"Trending Posts\",\"limit\":\"3\",\"offset\":0,\"range\":\"custom\",\"time_quantity\":\"124\",\"time_unit\":\"day\",\"freshness\":\"1\",\"order_by\":\"views\",\"post_type\":\"post\",\"pid\":\"\",\"exclude\":\"\",\"cat\":\"\",\"taxonomy\":\"category\",\"term_id\":\"\",\"author\":\"\",\"shorten_title\":{\"active\":false,\"length\":0,\"words\":false},\"post-excerpt\":{\"active\":false,\"length\":0,\"keep_format\":false,\"words\":false},\"thumbnail\":{\"active\":true,\"build\":\"predefined\",\"width\":\"240\",\"height\":\"160\"},\"rating\":false,\"stats_tag\":{\"comment_count\":false,\"views\":false,\"author\":false,\"date\":{\"active\":false,\"format\":\"F j, Y\"},\"category\":false,\"taxonomy\":{\"active\":false,\"name\":\"category\"}},\"markup\":{\"custom_html\":true,\"wpp-start\":\"&lt;ul class=&quot;wpp-list wpp-cardview&quot;&gt;\",\"wpp-end\":\"&lt;\\\/ul&gt;\",\"title-start\":\"&lt;h4 class=&quot;widget-title&quot;&gt;\",\"title-end\":\"&lt;\\\/h4&gt;\",\"post-html\":\"&lt;li&gt;{thumb} {title} {stats}&lt;\\\/li&gt;\"},\"theme\":{\"name\":\"\"}}<\/script><div class=\"wpp-shortcode-placeholder\"><\/div><\/div><\/div><\/div>\n\t\t<\/div> \n\t<\/div> \n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t<div id=\"fws_69f3847144ec5\"  data-column-margin=\"default\" data-midnight=\"dark\"  class=\"wpb_row vc_row-fluid vc_row\"  style=\"padding-top: 0px; padding-bottom: 0px; \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"false\"><div class=\"inner-wrap row-bg-layer\" ><div class=\"row-bg viewport-desktop\"  style=\"\"><\/div><\/div><\/div><div class=\"row_col_wrap_12 col span_12 dark left\">\n\t<div  class=\"vc_col-sm-2 vc_hidden-sm vc_hidden-xs wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone \"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-8 wpb_column column_container vc_column_container col padding-3-percent inherit_tablet inherit_phone \"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div id=\"fws_69f384714594d\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone border_bottom_desktop_1px border_color_000000 border_style_solid \"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_sep_color_black wpb_content_element vc_separator-has-text\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span class=\"vc_sep_line\"><\/span><\/span><h4 id=\"read-more-of-our-coverage-2\">Read More of Our Coverage<\/h4><span class=\"vc_sep_holder vc_sep_holder_r\"><span class=\"vc_sep_line\"><\/span><\/span>\n<\/div>\n<div class=\"wpb_text_column wpb_content_element \" >\n\t\t\t<div class=\"pk-inline-posts\">\n\t\t\t\n\t\t\t<div class=\"pk-inline-posts-container pk-inline-posts-template-list\"\n\t\t\t\tdata-columns=\"1\">\n\t\t\t\t\t\t<article id=\"post-21912\" class=\"post-21912 post type-post status-publish format-standard has-post-thumbnail category-environmentandhealth category-resources tag-resources\">\n\t\t\t<div class=\"pk-post-outer\">\n\n\t\t\t\t\t\t\t\t<div class=\"pk-post-inner\">\n\t\t\t\t\t<div class=\"entry-thumbnail\">\n\t\t\t\t\t\t<div class=\"pk-overlay pk-overlay-ratio pk-ratio-landscape\">\n\t\t\t\t\t\t\t<div class=\"pk-overlay-background\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/borderlessmag.org\/es\/2024\/04\/15\/resource-guide-immigrants-chicago-free-food-mental-health-services\/\" class=\"pk-overlay-link\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"225\" src=\"https:\/\/borderlessmag.org\/wordpress\/wp-content\/uploads\/2024\/02\/2024_02_15_MentalHealthResourceGuide_Web-300x225.jpg\" class=\"attachment-pk-thumbnail size-pk-thumbnail wp-post-image\" alt=\"\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"pk-post-inner\">\n\t\t\t\t\t<header>\n\t\t\t\t\t\t<h3 class=\"pk-title\"><a href=\"https:\/\/borderlessmag.org\/es\/2024\/04\/15\/resource-guide-immigrants-chicago-free-food-mental-health-services\/\" rel=\"bookmark\">Resource Guides for Immigrants in Chicago<\/a><\/h3>\t\t\t\t\t\t\t<div class=\"pk-post-meta\">\n\t\t\t\t\t\t\t\t<span class=\"pk-meta-author meta-author\"><span class=\"author vcard\"><a class=\"url fn n\" href=\"https:\/\/borderlessmag.org\/es\/author\/borderless-magazine-staff\/\" title=\"View all posts by Borderless Magazine Staff\">Borderless Magazine Staff<\/a><\/span><\/span>\t\t\t\t\t\t\t\t<span class=\"sep\">\u00b7<\/span>\n\t\t\t\t\t\t\t\t<span class=\"pk-meta-date meta-date\"><a href=\"https:\/\/borderlessmag.org\/es\/2024\/04\/15\/resource-guide-immigrants-chicago-free-food-mental-health-services\/\" rel=\"bookmark\">abril 15, 2024<\/a><\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/header><!-- .entry-header -->\n\t\t\t\t<\/div><!-- .post-inner -->\n\n\t\t\t<\/div><!-- .post-outer -->\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n<div class=\"wpb_text_column wpb_content_element \" >\n\t<p><span style=\"font-weight: 400;\">Zinn, a research analyst at the Urban Institute, said more data is needed to understand the scale of ITIN home lending. In interviews with lenders across the country, she found that while more financing opportunities are becoming available in some places, they are becoming more limited in others. In the last few years, the political landscape has made some lenders in some states perceive these loans as more risky due to changing immigration policy and politics. Amid fraught political discourse around immigration, some undocumented immigrants are unwilling to share their information with banks, she said.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Geovanni Costales, senior loan originator at Devon Bank, said that creating these home financing opportunities in Chicago can help ITIN holders take a significant step toward building generational wealth.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cWithin five years, their situation could change,\u201d said Costales. \u201cThey can either sell their property or refinance. If they become a citizen at that point, we can transition them to a path toward a conventional mortgage. The key point here is to let the client have access to the property, and that\u2019s really what will drive wealth for that individual.\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Finally owning a home is opening opportunities like building generational wealth for undocumented folks like Jorge.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">He stepped into his new home in early June. He has been slowly moving furniture and boxes full of clothes from an apartment in Pilsen to his new home with his wife and two children on Chicago\u2019s South Side. Jorge said the house was new construction, purchased for $275,000.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It wasn\u2019t the house he was expecting. He hoped to stay in Pilsen and have a garage, but he considers himself lucky.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Throughout the homebuying process, he didn\u2019t think he could afford a house or even qualify for a loan in the first place. His counselor warned him it would be more difficult to buy a home and interest would be higher. Ultimately, his lender required a 10% down payment on his, but he obtained grants that lowered his out-of-pocket down payment to less than $6,000.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8220;It is a country of opportunities, and when the opportunity arrives, you have to take advantage because you will not always have it,&#8221; he added.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The next major step for his new home is to build a garage soon.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">This content was made possible by a grant from The Chicago Community Trust.<\/span><\/i><\/p>\n<\/div>\n\n\n\n\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-2 vc_hidden-sm vc_hidden-xs wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone \"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Los inmigrantes indocumentados se han enfrentado durante mucho tiempo a un estrecho camino hacia la propiedad de la vivienda, pero en los \u00faltimos a\u00f1os, algunos bancos comunitarios locales est\u00e1n ampliando lentamente las opciones de pr\u00e9stamo para ayudar a los no ciudadanos a hacer realidad su sue\u00f1o de poseer una casa.<\/p>","protected":false},"author":60,"featured_media":22536,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1,136],"tags":[596],"coauthors":[566],"class_list":{"0":"post-22537","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-immigration-policy","8":"category-labor","9":"tag-homebuying"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Noncitizens Navigate a Narrow Path to Buying Homes &#8211; Borderless Magazine NFP<\/title>\n<meta name=\"description\" content=\"Large down payments and high interest rates pose significant barriers to homeownership for undocumented immigrants, but the gradual expansion of lending options is opening doors for some immigrants.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/borderlessmag.org\/es\/2024\/07\/02\/chicago-compra-de-vivienda-no-ciudadanos-titulares-de-itin-prestamos-para-la-compra-de-vivienda-indocumentados\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Buying a Home is Hard. It\u2019s Even More Difficult When You\u2019re Undocumented. &#8211; Borderless Magazine NFP\" \/>\n<meta property=\"og:description\" content=\"Buying a Home is Hard. It\u2019s Even More Difficult When You\u2019re Undocumented. &#8211; Borderless Magazine NFP\" \/>\n<meta property=\"og:url\" content=\"https:\/\/borderlessmag.org\/es\/2024\/07\/02\/chicago-compra-de-vivienda-no-ciudadanos-titulares-de-itin-prestamos-para-la-compra-de-vivienda-indocumentados\/\" \/>\n<meta property=\"og:site_name\" content=\"Borderless Magazine NFP\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/BorderlessMagazine\" \/>\n<meta property=\"article:published_time\" content=\"2024-07-02T15:26:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-09T15:24:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/borderlessmag.org\/wordpress\/wp-content\/uploads\/2024\/07\/2024_07_02_Housing-Feature.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Borderless Magazine Staff\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mauricio Pe\u00f1a\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"17 minutos\" \/>\n\t<meta name=\"twitter:label3\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data3\" content=\"Borderless Magazine Staff\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\\\/\\\/borderlessmag.org\\\/2024\\\/07\\\/02\\\/chicago-home-ownership-noncitizens-itin-holders-homebuying-loans-undocumented\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/borderlessmag.org\\\/2024\\\/07\\\/02\\\/chicago-home-ownership-noncitizens-itin-holders-homebuying-loans-undocumented\\\/\"},\"author\":{\"name\":\"Mauricio Pe\u00f1a\",\"@id\":\"https:\\\/\\\/borderlessmag.org\\\/#\\\/schema\\\/person\\\/538ef6ffe3ecd839ac6ddc6591fce52b\"},\"headline\":\"Buying a Home is Hard. 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