What kind of mortgage loan can I get when my non-borrowing spouse does not have a social security number?  If you live in a community property state, then your best option will be a conventional loan.  Any government back loans (FHA, VA, USDA) will require a social security number on the non purchasing spouse.  Although, there are some lenders that may accept a Taxpayer Identification Number (TIN), but the majority will require a Social Security number. 

When applying for a loan, it's best to follow the path that will get you approved the fastest with fewer hassles and less unknowns.  In this case, it is a conventional loan.  However, keep in mind that credit scores and down payment needed are higher on most conventional loans.  

It's important to talk to a Loan Officer and disclose all information very early in the home buying process, so that a proper plan of action can be implemented. This helps avoid any surprises during the underwriting phase.  There is nothing more stressful, frustrating and disappointing than to learn about a financing problem after you have committed to a contract on a home.