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First-Time Homebuyer Guidance

Real Estate Assistance

We help immigrants and families navigate the U.S. real estate market — from understanding the homebuying process to connecting with trusted agents and lenders.

Book Free Consultation Call 813-770-5689
Important: Teranga Global Solutions provides guidance and referrals only. We are not licensed real estate agents or mortgage brokers. Always work with a licensed professional for real estate transactions.
What We Offer

Real Estate Guidance Services

We help you understand the process, prepare your documents, and connect with trusted professionals.

First-Time Homebuyer Guidance

  • Explain the homebuying process step by step
  • Help you understand mortgage options
  • Connect with HUD-approved housing counselors
  • First-time buyer program information
  • Down payment assistance programs
Free Guidance

Mortgage Document Preparation

  • Organize required mortgage documents
  • Translate documents for lenders
  • Explain mortgage terms in your language
  • ITIN mortgage guidance
  • Credit building advice
Starting at $99

Agent & Lender Referrals

  • Connect with bilingual real estate agents
  • Refer to immigrant-friendly lenders
  • HUD housing counselor referrals
  • Rental assistance program referrals
  • Tenant rights guidance
Free Referrals
How It Works

The U.S. Homebuying Process

Understanding the steps helps you prepare and avoid surprises.

1

Check Your Credit

Review your credit score and history. Most lenders require a minimum score of 620 for conventional loans.

2

Get Pre-Approved

Get a mortgage pre-approval letter from a lender. This shows sellers you are a serious buyer.

3

Find a Home

Work with a licensed real estate agent to find homes in your budget and preferred neighborhood.

4

Close the Deal

Complete the inspection, appraisal, and closing process. Sign documents and receive your keys!

Trusted Resources

Real Estate Websites & Resources

These trusted websites can help you search for homes, understand mortgages, and find housing assistance.

HUD Housing CounselorsFree housing counseling — official U.S. government
ZillowSearch homes for sale and rent nationwide
Realtor.comOfficial NAR listings — find licensed agents
RedfinHome search with real-time MLS data
CFPB Homebuyer GuideConsumer Financial Protection Bureau — official
Fannie Mae HomeReadyLow down payment mortgage for low-income buyers
Freddie Mac Home PossibleAffordable mortgage options for first-time buyers
FHA Loans3.5% down payment — great for immigrants with ITIN
NACANo down payment, no closing costs mortgage program
Common Questions

Real Estate FAQs for Immigrants

Can I buy a home in the U.S. without a Social Security Number?
Yes! Many lenders offer ITIN mortgages for immigrants who do not have a Social Security Number. You will need an Individual Taxpayer Identification Number (ITIN), proof of income, and a good payment history. Some credit unions and community banks specialize in ITIN loans.
Can undocumented immigrants buy a home?
Yes. There is no law preventing undocumented immigrants from purchasing property in the United States. Many lenders offer ITIN mortgages specifically for this purpose. However, you will need to demonstrate income, build credit history, and save for a down payment.
What is a HUD housing counselor and are they free?
HUD-approved housing counselors are certified professionals who provide free or low-cost advice on buying a home, renting, foreclosure prevention, and tenant rights. They are funded by the U.S. Department of Housing and Urban Development. You can find one at hud.gov/findacounselor.
What down payment assistance programs are available?
Many programs exist including: FHA loans (3.5% down), USDA loans (0% down in rural areas), VA loans (0% down for veterans), Alabama Housing Finance Authority programs, and local city/county down payment assistance grants. Our team can help you identify which programs you qualify for.

Ready to Start Your Homebuying Journey?

Book a free consultation and let our team guide you through the process.

Book Free Consultation Call 813-770-5689