I don’t have a social security number but I am a taxpayer in the U.S. and have ITIN. How can I qualify for a mortgage? January 9, 2020 / Jake Marvin / No Comments A I don’t have a social security number but I am a taxpayer in the U.S. and have ITIN. How can I qualify for a mortgage? We have special lenders that can work with you, but expect to have a minimum 15% to 20% down payment with proof of income and provide 2 years of U.S. employment history.