Resources for Immigrants

Help Centers

Heartfelt Tidbits

info@heartfelttidbits.org     (513)-394-6765

Heartfelt Tidbits provides support to refugees and recent immigrants living in Southwestern Ohio by facilitating integration and self-sufficiency through our innovative education, cultural and employment-enhancing programming. More Information >

Services


Su Casa Hispanic Center

7162 Reading Rd, Cincinnati, OH 45237

Su Casa Hispanic Center, a program of Catholic Charities Southwestern Ohio, is the primary provider of social, case management, family reunification, educational, and health promotion services to the Hispanic/Latino community in Greater Cincinnati. More Information >

Services

Housing

Heartfelt Tidbits, Transformation, Catholic Charities, and Refugee Connect  

Immigrants & Refugee Law Center

Provides free legal services for low-income immigrant and refugee families. Their lawyers leverage a network of valued and trusted partner services that provides holistic support for families including clothing, housing, food, financial assistance, trauma counseling, early childhood education, English classes, and much more. More Information >


Call 513-828-0577


Legal Aid Society of Greater Cincinnati

Helps immigrants who have been victims of family violence, human trafficking or other crimes, obtain stable immigration status. More Information >


Call (513) 241-9400 or 1-800-582-2682 (toll free)

Legal Assistance

Immigrants & Refugee Law Center

Provides free legal services for low-income immigrant and refugee families. Their lawyers leverage a network of valued and trusted partner services that provides holistic support for families including clothing, housing, food, financial assistance, trauma counseling, early childhood education, English classes, and much more. More Information >


Call 513-828-0577


Legal Aid Society of Greater Cincinnati

Helps immigrants who have been victims of family violence, human trafficking or other crimes, obtain stable immigration status. More Information >


Call (513) 241-9400 or 1-800-582-2682 (toll free)

Personal Finance

Get an ITIN Number to Use in Place of a SSN

Some banks and mortgage lenders will accept an ITIN in place of an SSN when opening an account, taking out a loan, buying a home, or applying for a credit card.  An Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by the Internal Revenue Service (IRS). The IRS issues ITINs to individuals who are required to have a U.S. taxpayer identification number (TIN) but who do not have, and are not eligible to obtain, a Social Security number (SSN) from the Social Security Administration (SSA).


ITINs are issued regardless of immigration status, because both resident and nonresident aliens may have a U.S. filing or reporting requirement under the Internal Revenue Code. ** The IRS does not share taxpayer information with immigration authorities, and ITINs do not serve any purpose other than federal tax reporting.  Your spouse and dependents can also obtain an ITIN. Read More >


How to Apply for an ITN >

Banking

Why Bank Accounts Are Important

A bank account can help you to:

More Information > 



Open an Account at a Credit Union or Bank Without a Social Security Number

There are credit unions and banks that do not require a Social Security number to open a bank account:


How to open a bank account without an SSN >

Buy a Home

Home Loan / Mortgage

Some banks and mortgage companies offer ITIN home loans to people who do not have a SSN, but do have an ITIN. The ITIN essentially takes the place of a Social Security number for undocumented immigrants in the mortgage process.  Read more >


Down Payment

ITIN home loan lenders may require a higher down payment in the mortgage application process because of the borrower's risk of deportation.  

Need help paying the down payment or closing costs? Consider applying for the Communities First Down Payment Assistance for Ohio program that is available to all qualifying Ohio home buyers.



Mortgage Lenders That Offer ITIN Home Loans and the Communities First Down Payment Assistance Program