For many people living and working in the U.S. without a Social Security Number, owning a home may seem like a far-off . But thanks to , that can become a reality. These specialised home loans are helping individuals and families who file taxes with an Individual Taxpayer Identification Number(ITIN) gain access to mortgage financing.
At Duane Buziak Mortgage Broker, we believe that everyone deserves the opportunity to own a home, regardless of in-migration position. If you have an ITIN and a becalm income, we re here to help guide you through the path to ownership.
What Are ITIN Mortgage Loans?
ITIN mortgage loans are non-traditional mortgage products that allow individuals without a Social Security Number to finance a home. These loans are nonesuch for immigrants, non-U.S. citizens, and self-employed individuals who live in the United States and file taxes using an ITIN.
An ITIN is issued by the IRS to those who are necessary to pay taxes but are not pensionable for an SSN. While traditional lenders often want an SSN to employ for a mortgage, ITIN Mortgage licensing companies lenders tax other factors like income, work chronicle, and choice credit.
Unlike conventional loans, ITIN mortgage loans offer tractability in documentation and requirements, qualification them more inclusive for hard-working individuals who have well-stacked their lives in the U.S.
Who Qualifies for an ITIN Mortgage Loan?
At Duane Buziak Mortgage Broker, we help you empathize and meet the criteria for an ITIN loan. You may condition if:
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You have a unexpired ITIN
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You ve had consistent employment or self-employment for at least 2 years
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You can show calm income through bank statements, tax returns, or pay stubs
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You re equipt to make a down defrayal(typically 10 20)
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You have some form of credit chronicle or choice (rent, utilities, etc.)
We simplify the practical application work on and you with esteemed lenders who particularize in ITIN mortgage programs.
Why Choose Duane Buziak for Your ITIN Home Loan?
With old age of experience helping clients across Florida, we ve stacked a reputation for money plant, expertness, and personal serve. At Duane Buziak Mortgage Broker, we don t just work on loans we establish relationships.
We provide:
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Step-by-step direction through the stallion mortgage process
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Lender access for unique credit or immigration situations
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Customized advice tailored to your financial goals
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Transparent with no surprises
Learn More About ITIN Mortgage Loans
Still have questions? We ve created a helpful video recording to walk you through everything you need to know about ITIN mortgage loans from eligibility to closing day.
Watch the video here: