Helping Non-U.S. Citizens Become Homeowners
Buying a home in the U.S. without a Social Security number might seem impossible, but that’s where ITIN loans come in. At Duane Buziak Mortgage Broker, we work with individuals who have an Individual Taxpayer Identification Number (ITIN) to make homeownership a reality regardless of their immigration status.
If you’ve been paying taxes in the U.S. using an ITIN, you deserve access to housing opportunities. Whether you’re self-employed, recently arrived in the U.S., or working to build a better life for your family, ITIN loans can offer you a reliable mortgage option tailored to your situation.
What Are ITIN Loans?
An ITIN loan is a mortgage program designed for individuals who don’t have a Social Security number but do have a valid ITIN. These loans help non-citizens or undocumented immigrants purchase homes legally, offering a practical solution for thousands of hardworking people who want to invest in their future.
Basic Requirements for an ITIN Loan:
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A valid ITIN from the IRS
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Proof of steady income (w-2s, 1099s, tax returns, or bank statements)
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Two years of tax filing history (ideally using your ITIN)
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A down payment (typically 10%–20%)
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Identification (such as a passport or consular ID)
Unlike traditional mortgage programs, ITIN loans don’t require a Social Security number or U.S. residency status making them one of the most accessible home financing options for people outside the typical lending box.
Why Choose Duane Buziak for Your ITIN Loan?
At Duane Buziak Mortgage Broker, we don’t believe in a one-size-fits-all approach. We understand that every borrower’s story is unique—and we treat it that way. From the moment you reach out, you’ll receive personalized guidance and professional advice designed to help you qualify, apply, and close with confidence.
We work directly with lenders who specialize in ITIN loans and other non-traditional financing options. We’ll help you gather your documents, determine your eligibility, and walk you through the process step by step—no confusion, no overwhelm, and absolutely no judgment.
Whether you’re buying your first home or refinancing with an ITIN, our goal is to make the process as smooth and stress-free as possible.
Take the First Step Toward Homeownership Today
If you’ve been told “no” by banks just because you don’t have a Social Security number, it’s time for a different answer. With the right guidance and the right loan program, your dream of owning a home can become a reality.
Contact Duane Buziak Mortgage Broker today to learn more about how an ITIN loan can work for you.
Want to see how I help clients in real time? Check out my YouTube channel:
https://www.youtube.com/@DuaneBuziak01
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