Alvear Homes, a bilingual real estate team serving the North Carolina and South Carolina Charlotte border, has published a detailed guide addressing the most common question they receive from Latino buyers: “Can I buy a house with an ITIN?”

The answer, according to the team, is yes.

The guide, available at alvearhomes.com, outlines ITIN mortgage programs now offered by lenders including Movement Mortgage, which launched its ITIN lending program in July 2026 with up to 85% loan-to-value financing. It also details North Carolina down payment assistance programs, including the NC Home Advantage Mortgage ($15,000 forgivable) and House Charlotte ($30,000 to $80,000 for buyers within city limits).

North Carolina’s Latino population has grown from 67,000 in 1990 to over 1.1 million, with Latino homeownership rates rising in 95 of the state’s 100 counties. Despite this growth, misinformation about eligibility requirements continues to prevent qualified buyers from entering the market.

“Families contact us every week believing they cannot purchase a home,” said Sandy Alvear, co-founder of Alvear Homes. “They’ve been filing taxes, paying rent on time, and saving for years. They just need someone who speaks their language to show them the path that already exists.”

The guide covers alternative credit qualification, NC vs. SC tax comparisons across seven border communities, multigenerational housing strategies, and a complete document checklist. All content is presented in both English and Spanish.

Alvear Homes offers free bilingual consultations for buyers in Belmont, Gastonia, Fort Mill, Clover, Lake Wylie, and surrounding areas.
Read: https://alvearhomes.com/blogs/latino-homebuyers-north-carolina.html