Buying a home in the U.S. usually requires a Social Security Number. But for many hardworking individuals who live, work, and pay taxes in this country using an Individual Taxpayer Identification Number (ITIN), this requirement can feel like a barrier. That’s where ITIN loans come in.
An ITIN loan is a special type of mortgage designed specifically for people who don’t have a Social Security Number but still want to own a home. Whether you’re a self-employed worker, a new immigrant, or someone who contributes to the U.S. economy without permanent residency status, ITIN loans can help make your dream of homeownership possible.
Who Qualifies for ITIN Loans?
If you’ve been paying taxes with your ITIN, you may already qualify for a home loan—something many people don’t even realize is possible. These loans are structured to support buyers who fall outside traditional lending programs.
Basic ITIN Loan Requirements:
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A valid ITIN issued by the IRS
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Two years of tax returns filed using your ITIN
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Proof of consistent income (pay stubs, bank statements, or business income if self-employed)
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A minimum down payment of 10% to 20%
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Valid government-issued ID (passport or consular ID)
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Proof of current residence in the U.S.
Some lenders may also ask for alternative credit documentation such as rent payments or utility bills to evaluate your financial responsibility.
Why Work With Duane Buziak?
At Duane Buziak Mortgage Broker, I specialize in helping buyers who don’t fit the “standard borrower” mold. I understand that navigating the mortgage process without a Social Security Number can be confusing—and sometimes intimidating. That’s why I work directly with lenders who offer ITIN loans and who are committed to helping individuals like you secure financing with dignity, care, and clarity.
My process is hands-on and personalized. From reviewing your documents to connecting you with the right lender, I’m with you from start to close. No runarounds, no false promises—just honest answers and real solutions.
Let’s Get You One Step Closer to Homeownership
Your immigration status or lack of a Social Security Number should not hold you back from building a future in the United States. With an ITIN loan, that next chapter is within reach—and I’m here to help you get there.
Visit DuaneBuziakMortgageBroker.com today to request a free consultation.
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