Plant Your Roots
in Maryland
You are building a new life here. Owning a home is part of that dream. Our multilingual team knows exactly which programs are available to you and will guide you through every step.
You Can Own a Home in Maryland
You do not need to be a US citizen to buy a home in Maryland. Permanent residents, visa holders, and even buyers without a Social Security Number can qualify for a mortgage.
The process may look a little different for you. The documents are different, some loan programs are restricted, and the paperwork can feel overwhelming in a second language. That is exactly what CAST Realty MD is here to help with.
- Non-citizens and permanent residents
- Visa holders (H-1B, L-1, O-1, and others)
- Buyers with an ITIN instead of a Social Security Number
- International buyers purchasing in Maryland for the first time
No SSN? You May Still Qualify
An Individual Taxpayer Identification Number (ITIN) is issued by the IRS to people who need to file US taxes but do not have a Social Security Number. Several lenders in Maryland offer ITIN mortgage programs specifically for buyers in this situation.
What you typically need
Valid government-issued photo ID, ITIN documentation, 2 years of tax returns, 2 years of employment history, recent bank statements, and proof of current address.
Down payment requirements
ITIN mortgages typically require 10 to 20% down. Some programs allow as low as 10% with strong employment and credit history.
We know the right lenders
Not all lenders offer ITIN programs. CAST Realty MD connects you with lenders experienced specifically with immigrant and international buyers in Maryland.
Documents to Prepare
Requirements vary by loan type and immigration status. CAST Realty MD will tell you exactly what applies to your situation.
- Valid passport or government-issued ID
- Visa, green card, or immigration documents
- Social Security Number or ITIN
- Last 2 years of tax returns
- Last 2 months of bank statements
- Proof of employment or self-employment income
- Credit history (US or international)
We Speak Your Language
Our team can conduct your entire consultation, home search, and closing process in your preferred language. You should never have to navigate this process in a language that is not your own.
Need another language? Ask us — we may be able to help or connect you with a translator.
We have guided immigrant buyers through this before.
Brenda and the CAST Realty MD team understand the unique challenges of buying a home in a new country. We will guide you through every step in your preferred language.
Tell Us About Your Situation
Tell us which language you prefer and we will follow up accordingly.