Understanding ITIN Loans
For many people living and working in the U.S. without a Social Security number, buying a home can feel out of reach. But the truth is—homeownership is still possible. ITIN loans provide a real, legal path to owning a home for individuals who use an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number.
These loans are designed for hardworking individuals who contribute to the economy, pay taxes, and want to build a future here. Whether you’re self-employed, a small business owner, or employed without legal status, ITIN loans may be the perfect solution to help you achieve your dream of homeownership.
Who Can Benefit from an ITIN Loan?
At Duane Buziak Mortgage Broker, we work with people from all backgrounds. Many of our clients are first-time homebuyers, immigrants, or non-U.S. citizens who have faced challenges getting approved for a traditional loan. If this sounds like you, an ITIN loan may be worth considering.
Basic Requirements for ITIN Loans:
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A valid ITIN from the IRS
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Two years of U.S. tax returns filed using the ITIN
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Proof of steady income (such as pay stubs or bank statements)
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A minimum down payment (typically 10%–20%)
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Valid photo identification (passport, consular ID, etc.)
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A U.S.-based address and intent to reside in the home
Even if you don’t have traditional credit, we can explore alternative credit documentation—like rental history, utility bills, or other consistent payments—to strengthen your application.
Why Choose Duane Buziak?
The mortgage process can be complicated—especially when you don’t fit into the standard borrower profile. That’s where we come in. With years of experience helping clients navigate non-traditional lending, I know what lenders are looking for and how to position your file for success.
We don’t just offer cookie-cutter advice. Every ITIN borrower is different, and that’s why I take time to understand your full financial picture and match you with lenders that are the right fit for your goals.
Most importantly, you’ll be treated with respect and care every step of the way. That’s the foundation of everything we do.
Let’s Turn Your Homeownership Dream Into Reality
Buying a home using an ITIN isn’t just possible—it’s happening every day. You just need the right guidance. If you’re ready to take the first step, I’m here to help you understand your options and move forward with confidence.
Visit DuaneBuziakMortgageBroker.com to get started with a free consultation today.
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