{"id":23200,"date":"2024-09-17T09:00:57","date_gmt":"2024-09-17T14:00:57","guid":{"rendered":"https:\/\/borderlessmag.org\/?p=23200"},"modified":"2025-10-09T10:22:48","modified_gmt":"2025-10-09T15:22:48","slug":"chicago-homeownership-series-itin-indocumentados-compra-de-vivienda","status":"publish","type":"post","link":"https:\/\/borderlessmag.org\/es\/2024\/09\/17\/chicago-homeownership-series-itin-undocumented-buying-home\/","title":{"rendered":"Lo que los inmigrantes deben saber sobre la compra de una vivienda en Chicago"},"content":{"rendered":"\n\t\t<div id=\"fws_69d29b184840b\"  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;\">Homeownership is the cornerstone of the American dream. However, immigrants face <\/span><a href=\"https:\/\/www.jchs.harvard.edu\/sites\/default\/files\/research\/files\/harvard_jchs_immigrant_homeownership_cornelissen_pack_2023.pdf\"><span style=\"font-weight: 400;\">unique barriers<\/span><\/a><span style=\"font-weight: 400;\"> to buying a home.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Studies show that immigrant households experience <\/span><a href=\"https:\/\/journals.sagepub.com\/doi\/10.1177\/0739456X11398044\"><span style=\"font-weight: 400;\">higher costs of burdens<\/span><\/a><span style=\"font-weight: 400;\"> and face <\/span><a href=\"https:\/\/journals.sagepub.com\/doi\/10.1111\/imre.12311\"><span style=\"font-weight: 400;\">lower homeownership rates<\/span><\/a><span style=\"font-weight: 400;\">. According to <\/span><a href=\"https:\/\/www.jchs.harvard.edu\/blog\/overcoming-barriers-immigrant-homeownership-us#:~:text=Homeownership%20rates%20varied%20sharply%20between,households%20from%20the%20Dominican%20Republic.\"><span style=\"font-weight: 400;\">Harvard University\u2019s Joint Center for Housing Studies<\/span><\/a><span style=\"font-weight: 400;\">, individuals who are undocumented or have a temporary visa often have less secure or well-paying jobs, which makes it difficult for them to afford a home or secure a trusted bank loan.\u00a0<\/span><\/p>\n<\/div>\n\n\n\n<div class=\"templatera_shortcode\">\n\t\t<div id=\"fws_69d29b1849b99\"  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_69d29b184a783\"  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_69d29b184ae53\" 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;\">Immigrant households are also <\/span><a href=\"https:\/\/www.fdic.gov\/household-survey\"><span style=\"font-weight: 400;\">likely to be unbanked<\/span><\/a><span style=\"font-weight: 400;\">, making it harder for these individuals to prove their financial situation to lenders. Racial and language discrimination are also factors in securing a mortgage. For example, <\/span><a href=\"https:\/\/linkinghub.elsevier.com\/retrieve\/pii\/S0166046214001100\"><span style=\"font-weight: 400;\">one 2014 study<\/span><\/a><span style=\"font-weight: 400;\"> on subprime lenders in the early 2000s found that Hispanic borrowers living in areas with limited English fluency were found to have paid more for their mortgage if they used a white broker versus a Hispanic one.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Borderless created a guide to help people prepare to buy a home regardless of immigration status.<\/span><\/p>\n<h2 id=\"what-do-i-need-to-get-a-loan-from-the-bank\">What do I need to get a loan from the bank?<\/h2>\n<p><span style=\"font-weight: 400;\">Owning a home will likely be the most significant financial purchase a person will make in their lifetime. The most common way to purchase a home is by obtaining a bank loan, also known as a mortgage. Your FICO score, or credit score, often determines mortgage interest rates. In other words, the better you manage your financial lending to date, the lower the interest rates will be. That means you should pay your credit cards and student loans on time.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Although a higher credit score will help secure a lower interest rate, other factors can help individuals secure a bank loan. For example, bank statements showcasing savings accounts could prove to lenders that you are financially trustworthy.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cLending institutions have their own criteria,\u201d said Juliana Gonzalez-Crussi, executive director at<\/span><a href=\"https:\/\/www.cclconnect.org\/\"><span style=\"font-weight: 400;\"> the Center for Changing Lives<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0 \u201cDebt, income, credit, savings are all taken into account.\u201d\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_69d29b184cda1\"  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<h2 id=\"what-is-an-itin-number-and-how-can-i-get-one\">What is an ITIN Number and how can I get one?<\/h2>\n<p><span style=\"font-weight: 400;\">Homeownership for <\/span><a href=\"https:\/\/borderlessmag.org\/2024\/07\/02\/chicago-home-ownership-noncitizens-itin-holders-homebuying-loans-undocumented\/\"><span style=\"font-weight: 400;\">non-citizen individuals without a social security number can present some challenges <\/span><\/a><span style=\"font-weight: 400;\">since it is a niche market with few lenders offering products for noncitizens.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Individuals without a social security number can prove their financial information by using an ITIN, which stands for Individual Taxpayer Identification Number. An ITIN is used to file federal tax returns, which is another document banks consider when determining interest rates on loans.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To obtain an ITIN, individuals must:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fill out Form W-7, Application for IRS Individual Taxpayer Identification Number (ITIN), and submit it with your tax return.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contact an IRS-authorized Certifying Acceptance Agent.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Make an appointment with the IRS Taxpayer Assistance Center.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">More information can be found <\/span><a href=\"https:\/\/www.usa.gov\/itin\"><span style=\"font-weight: 400;\">here.<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<\/div>\n\n\n\n<div id=\"fws_69d29b184da0c\" 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-22537\" class=\"post-22537 post type-post status-publish format-standard has-post-thumbnail category-immigration-policy category-labor tag-homebuying\">\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\/07\/02\/chicago-home-ownership-noncitizens-itin-holders-homebuying-loans-undocumented\/\" 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\/07\/2024_07_02_Housing-Feature-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\/07\/02\/chicago-home-ownership-noncitizens-itin-holders-homebuying-loans-undocumented\/\" rel=\"bookmark\">Buying a Home is Hard. It\u2019s Even More Difficult When You\u2019re Undocumented.<\/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\/mauricio-pena\/\" title=\"View all posts by Aydali Campa\">Aydali Campa<\/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\/07\/02\/chicago-home-ownership-noncitizens-itin-holders-homebuying-loans-undocumented\/\" rel=\"bookmark\">julio 2, 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<h2 id=\"how-is-an-itin-loan-different-from-a-regular-loan\">How is an ITIN loan different from a regular loan?<\/h2>\n<p><span style=\"font-weight: 400;\">When applying for an ITIN loan, you will still need to provide proof of identification, income, and credit score.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">ITIN loans are more expensive than traditional mortgages because there is no secondary market. According to the <\/span><a href=\"https:\/\/www.urban.org\/sites\/default\/files\/2024-02\/ITIN%20Mortgages.pdf\"><span style=\"font-weight: 400;\">Urban Institute<\/span><\/a><span style=\"font-weight: 400;\">, the small number of lenders who do offer loans to ITIN holders do so at a much higher rate than traditional mortgage rates. The down payment required is also higher at 10-to-20 % compared to Federal Housing Administration mortgages that require 3.5%.\u00a0<\/span><\/p>\n<h2 id=\"where-can-i-apply-for-an-itin-loan\">Where can I apply for an ITIN loan?<\/h2>\n<p><span style=\"font-weight: 400;\">Credit unions and <\/span><a href=\"https:\/\/www.cdfifund.gov\/\"><span style=\"font-weight: 400;\">Community Development Financial Institutions (CDFI)<\/span><\/a><span style=\"font-weight: 400;\"> tend to be the <\/span><a href=\"https:\/\/www.urban.org\/sites\/default\/files\/2024-02\/ITIN%20Mortgages.pdf\"><span style=\"font-weight: 400;\">primary ITIN lenders<\/span><\/a><span style=\"font-weight: 400;\"> in the market. Some independent mortgages and banks also offer ITIN loans, <\/span><a href=\"https:\/\/borderlessmag.org\/2024\/07\/02\/chicago-home-ownership-noncitizens-itin-holders-homebuying-loans-undocumented\/\"><span style=\"font-weight: 400;\">but the market is slimmer.\u00a0<\/span><\/a><\/p>\n<h2 id=\"who-can-i-trust-when-it-comes-to-starting-the-process-of-home-ownership\">Who can I trust when it comes to starting the process of home ownership?<\/h2>\n<p><span style=\"font-weight: 400;\">Talking about finances can be scary, especially with sensitivities around social security numbers and savings. Before going to a realtor or bank, the first place you should consult when buying a home is a <\/span><a href=\"https:\/\/www.hud.gov\/program_offices\/housing\/nationally_hud_approved_housing_counseling_agenciesdirectory\"><span style=\"font-weight: 400;\">HUD-approved housing counseling agency<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The HUD-approved housing counseling agency can instruct you on your rights and responsibilities. They will walk you through what you can afford, what credit score you might need, and how to get things sorted out in the first place.\u00a0\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here is a <\/span><span style=\"font-weight: 400;\">list of HUD-approved housing counseling agencies in Chicago<\/span>.<\/p>\n<\/div>\n\n\n\n<div id=\"fws_69d29b1851330\" 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-23208\" class=\"post-23208 post type-post status-publish format-standard has-post-thumbnail category-labor category-resources tag-homebuying6\">\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\/09\/17\/chicago-homeownership-counseling-immigration-home-condo-townhouses-resurrection-project\/\" 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\/09\/2024_09_16-Chicago-Housing-Resource-Guide-Update-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\/09\/17\/chicago-homeownership-counseling-immigration-home-condo-townhouses-resurrection-project\/\" rel=\"bookmark\">Looking to Buy a Home? These Groups Offer Homeownership Counseling 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\/mauricio-pena\/\" title=\"View all posts by Mauricio Pe\u00f1a\">Mauricio Pe\u00f1a<\/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\/09\/17\/chicago-homeownership-counseling-immigration-home-condo-townhouses-resurrection-project\/\" rel=\"bookmark\">septiembre 17, 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<h2 id=\"what-if-i-dont-have-my-money-in-a-bank-account\">What if I don\u2019t have my money in a bank account?<span style=\"font-weight: 400;\"><br \/>\n<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Some individuals might not be putting their savings in the bank. According to<\/span> <span style=\"font-weight: 400;\">Gonzalez-Crussi, \u201cfamilies that are immigrant families or undocumented families may not have that credit history or even established credit that may be unbanked.\u201d A 2021 Federal Deposit Insurance Corporation estimates that <\/span><a href=\"https:\/\/www.fdic.gov\/household-survey#:~:text=An%20estimated%204.5%20percent%20of,a%20bank%20or%20credit%20union.\"><span style=\"font-weight: 400;\">4.5 % of the U.S. population<\/span><\/a><span style=\"font-weight: 400;\">, roughly 5.9 million people, do not have bank accounts.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Homeownership could still be possible for these individuals. Showing proof of non-traditional forms of credit history, such as paying rent or phone bills, could help lending institutions determine loan rates. There are even financial tech applications, like eCredible, that help individuals who do not have credit report every utility payment. This is an alternative for individuals to establish a credit history.\u00a0<\/span><\/p>\n<\/div>\n\n\n\n<div id=\"fws_69d29b1853adb\" 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-3\">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-22816\" class=\"post-22816 post type-post status-publish format-standard has-post-thumbnail category-as-told-to category-labor tag-housingseries3\">\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\/08\/27\/chicago-homeownership-the-resurrection-project-immigrants-itin\/\" 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\/08\/24.08.26-Erika-Ayala-As-Told-To_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\/08\/27\/chicago-homeownership-the-resurrection-project-immigrants-itin\/\" rel=\"bookmark\">How an Immigrant Family Bought a Home With the Help of a Chicago Nonprofit<\/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\/martha\/\" title=\"View all posts by Martha Contreras\">Martha Contreras<\/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\/08\/27\/chicago-homeownership-the-resurrection-project-immigrants-itin\/\" rel=\"bookmark\">agosto 27, 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;\">At the Center<\/span><a href=\"https:\/\/www.cclconnect.org\/\"><span style=\"font-weight: 400;\"> for Changing Lives<\/span><\/a><span style=\"font-weight: 400;\">, the organization uses the <\/span><a href=\"https:\/\/www.missionassetfund.org\/lending-circles\/\"><span style=\"font-weight: 400;\">Lending Circle application<\/span><\/a><span style=\"font-weight: 400;\">, which is similar to a rotating payment system similar to a Mexican \u201cTanda\u201d and a Nigerian<\/span><span style=\"font-weight: 400;\"> \u201cEsusu\u201d <\/span><span style=\"font-weight: 400;\">or a Korean \u201ckye.\u201d Each month, a new member of the Lending Circle receives a loan until everyone in the group gets their chance.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201c[The Lending Circle application] works to help people establish credit and prove credit because this app reports to the three credit bureaus. So while you\u2019re making a payment in this circle, each payment is reported to the credit bureau,\u201d Gonzalez-Crussi said.\u00a0<\/span><\/p>\n<p><i>This article was supported by a grant from The Chicago Community Trust.<\/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<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","protected":false},"excerpt":{"rendered":"<p>El estatus migratorio puede complicar el camino de una persona hacia la propiedad de una vivienda. Aun as\u00ed, hay formas de prepararse para comprar una vivienda, como mejorar el cr\u00e9dito y obtener un n\u00famero ITIN. <\/p>","protected":false},"author":151,"featured_media":23084,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[107],"tags":[628],"coauthors":[627],"class_list":{"0":"post-23200","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-resources","8":"tag-homeownership5"},"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>Six Tips For Immigrants Buying a Home In Chicago &#8211; Borderless Magazine NFP<\/title>\n<meta name=\"description\" content=\"A good credit score, robust savings account, and other information are needed when starting your homeownership journey.\" 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