Homeownership is a dream for many, but for individuals without a Social Security Number (SSN), that dream can seem just out of reach. Fortunately, there’s a practical and legal solution: ITIN Loans. These loans are designed specifically for people who file U.S. taxes with an Individual Taxpayer Identification Number (ITIN) and are ready to invest in a home of their own.
At Duane Buziak Mortgage Broker, I specialize in helping clients across the country—especially those who don’t qualify for traditional financing—navigate the mortgage process with clarity and confidence. ITIN loans are one of the most valuable tools available to make homeownership possible for hard-working families.
What Are ITIN Loans?
An ITIN loan is a mortgage product offered by select lenders to individuals who do not have a Social Security Number but do have a valid ITIN issued by the IRS. These loans are a lifeline for foreign nationals, immigrants, and self-employed workers who have steady income, file taxes, and are ready to purchase a home in the U.S.
ITIN loans are fully compliant with U.S. regulations, and while they may have slightly higher down payment or interest rate requirements, they provide a critical opportunity for those traditionally underserved by the mortgage industry.
Who Is Eligible for an ITIN Loan?
If you have an ITIN and a strong financial foundation, you may be closer to qualifying for a home loan than you think. Basic ITIN loan requirements typically include:
-
A valid ITIN
-
Two years of tax returns filed under your ITIN
-
Proof of income (pay stubs, self-employment records, or bank statements)
-
A minimum down payment (usually 10–20%)
-
Government-issued identification (passport or consular ID)
-
Proof of U.S. residency or intent to occupy the home
Some lenders may also accept alternative credit references such as rental history or utility payments if you don’t have a traditional credit report.
Why Work With Duane Buziak?
Not all lenders or brokers understand the ITIN loan process—but I do. With years of experience and a personal, hands-on approach, I’ve helped many clients who thought they had no options. My focus is on honest advice, fast answers, and real solutions tailored to your unique financial journey.
From the first conversation to the day you close, I’ll walk you through every step with clarity and commitment. You deserve someone who listens, cares, and fights for your best outcome—and that’s what I bring to every client relationship.
Start Your Homeownership Journey Today
You don’t need a Social Security Number to own a home. If you have an ITIN and the determination to build a future, I’m here to help you make it happen.
Contact me today at www.duanebuziakmortgagebroker.com to schedule a free consultation.
For helpful mortgage tips and real success stories, visit my YouTube channel:
https://www.youtube.com/watch?v=mUsTZ5B_2cE