In the border states such as California, Arizona or Texas, many times over the years people have asked me the question “can I get a mortgage if I don’t have a valid social security number?”
And the answer is “probably not, but you have a slim hope…”
Fake Social Security Numbers: Can You Still Get A Mortgage?
Can you get a mortgage with a fake social security number? Most likely the answer is going to be “no” — which is a tragedy, really. You see, prior to about 2 or 3 years ago, there wasn’t really a centralized database where every lender was checking for valid social security numbers – and as a result, many people are now living in a home without a valid social security number.
And many of these people are still making their mortgage payments.
Yet, if you are living in a house that you bought 5 years ago with a fake social security number and have made every mortgage payment on time, you cannot refinance your mortgage because now each and every loan application is ran against a database that tells the lender if the social security number is valid.
Your only hope if you currently are living in a home that you own and you don’t have a valid social security number is to contact your lender and see if they can help you. I don’t really even know if the lender will be able to do anything, but it is really the only chance you have. Any “new” lender will be required to verify your social security number against the database and you will surely be denied for a loan then.
I wish I had better news on this situation – because there are thousands of people in this situation.
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It’s a tragedy that illegal aliens can’t get home loans??? Are you insane?? Your stupid state is lost. Hopelessly lost.