***..............The opportunity to get people like the Avalos family into the market begins with the IRS, which is happy to collect peoples' taxes, regardless of their immigration status.
Nearly a decade ago, the IRS began giving out Individual Taxpayer Identification Numbers so people without Social Security numbers could pay taxes. Since then, more than 8 million applicants have received numbers, and about 2 million are used on tax returns.
The IRS knows illegal immigrants are using the numbers to get mortgages.
"We don't have control over whatever the taxpayers do with the numbers other than filing a tax return," spokeswoman Irma Trevino said.
In addition to the ID numbers, immigrants must show that they have been in the country, worked and paid taxes for at least two years in order to get mortgages. Because many do not have credit scores, they must prove their good credit through documents such as utility and cell phone bills, rent receipts, bank statements and paychecks. The interest rates and loan costs are in line with those of buyers who have Social Security numbers.***
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