Buying a home is one of the most important milestones in life, but for individuals without a Social Security Number (SSN), the process can seem out of reach. The good news is that ITIN mortgage loans are designed specifically to help non-U.S. citizens and foreign nationals achieve the dream of homeownership. If you file taxes with an Individual Taxpayer Identification Number (ITIN), you may be eligible for a home loan, even if you don’t have a traditional credit history.

What Are ITIN Mortgage Loans?

ITIN mortgage loans are non-traditional mortgage programs offered by select lenders to borrowers who have an ITIN instead of an SSN. These loans are ideal for immigrants, self-employed individuals, and others who are legally in the U.S. and pay taxes but may not qualify for conventional mortgages.

Unlike standard loan programs, ITIN loans take a broader view of your financial situation. They focus on your income stability, down payment, and overall creditworthiness—even if you’ve built your credit through alternative means such as rent or utility payments.

Who Qualifies for an ITIN Mortgage?

At Duane Buziak Mortgage Broker, we’ve helped many clients navigate the ITIN mortgage process successfully. You may qualify for an ITIN loan if you:

  • Have a valid Individual Taxpayer Identification Number (ITIN)

  • Can provide at least 2 years of income documentation (pay stubs, tax returns, or bank statements)

  • Are ready to make a down payment (usually 10%–20%)

  • Have a credit history or acceptable alternative credit

  • Have stable employment or self-employment

We understand that every borrower’s situation is unique, and we take the time to evaluate your full financial picture, not just a credit score.

Why Choose Duane Buziak for Your ITIN Home Loan?

With years of experience helping individuals from diverse backgrounds secure home financing, we know how to simplify what can otherwise be a confusing process. Our team provides personalized support from start to finish—explaining your loan options clearly, helping you gather the right documents, and finding lenders that understand your situation.

Our mission is to make homeownership accessible, fair, and achievable, regardless of your immigration or financial status. We don’t just offer loans—we build long-term relationships based on trust and results.

Ready to Learn More?

If you’re ready to take the next step toward owning your home using an ITIN, we’re here to guide you every step of the way.

Watch our latest video on ITIN Mortgage Loans to get started:
https://www.youtube.com/watch?v=LYpJVB4A6e0&pp=0gcJCcMJAYcqIYzv