The dream of homeownership isn’t limited to those with a Social Security Number. If you’re living and working in the U.S. and filing taxes using an Individual Taxpayer Identification Number (ITIN), there’s a path to owning your own home. It’s called an ITIN Mortgage Loan, and it’s helping thousands of families across the country secure their future—without the need for a traditional SSN.
At Duane Buziak Mortgage Broker, we specialize in helping individuals from all backgrounds find the right loan options for their situation, and ITIN mortgage programs are one of our most powerful tools.
What Is an ITIN Mortgage Loan?
An ITIN Mortgage Loan is a home loan specifically designed for borrowers who do not have a Social Security Number but do have a valid ITIN issued by the IRS. These borrowers often include immigrants, foreign nationals, and others who are actively contributing to the U.S. economy but may not yet have permanent residency or citizenship.
Unlike conventional mortgage loans that require strict credit histories and U.S. identification, ITIN loans are more flexible. They allow borrowers to demonstrate financial responsibility through alternative forms of credit, income verification, and consistent tax filing.
ITIN loans make it possible for non-citizens to purchase primary residences, refinance, or even invest in real estate—with fair and competitive terms.
Who Qualifies for ITIN Mortgage Loans?
To qualify for an ITIN mortgage loan, you typically need:
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A valid ITIN
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Two years of stable employment or self-employment
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Proof of income (pay stubs, tax returns, or bank statements)
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A down payment—usually between 10% to 20%
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Alternative or traditional credit history
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Proof of residency and current living situation
At Duane Buziak Mortgage Broker, we work closely with our clients to gather the right documentation, explain the process in plain language, and match you with lenders who specialize in ITIN loans. We understand the unique challenges you face—and we’re here to help.
Why Choose Duane Buziak for Your ITIN Home Loan?
We’re not just mortgage brokers—we’re advocates for accessible homeownership. With years of experience serving clients throughout Florida and beyond, we’re known for our honest guidance, personalized service, and dedication to finding solutions that fit your life—not just your paperwork.
Whether you’re a first-time buyer or someone who’s ready to settle into a permanent home, we’ll be with you every step of the way—from pre-approval to closing day.
Watch Our Full Guide on ITIN Loans
Still have questions? We’ve put together a helpful video that explains everything you need to know about ITIN Mortgage Loans, qualifications, and how to get started.
Watch it here:
https://www.youtube.com/watch?v=ucc5_WbaE5g
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