How ITIN Loans Help Self-Employed Buyers in AZ, CA, FL & TX

If you are a business owner without a Social Security Number, you may have been told that buying a home in the U.S. is impossible. That is simply not true.

Every year, I help self-employed buyers achieve homeownership using an ITIN number, strong income, and the right loan strategy. Recently, I helped a client with no Social Security card, no U.S. ID, and self-employed income purchase a home using a 12-month bank statement loan. He had solid deposits, 20% down, and today he has his keys.

If this sounds like you, keep reading.

Can You Buy a Home Without a Social Security Number?

Yes. If you have an ITIN (Individual Taxpayer Identification Number), you may qualify for a mortgage—even if you do not have a Social Security Number.

Many traditional banks only offer one-size-fits-all loans that rely heavily on tax returns and W-2 income. Business owners often write off expenses, which can make qualifying through conventional lenders difficult.

This is where ITIN bank statement loans come in.

What Is an ITIN Bank Statement Loan?

An ITIN bank statement loan is designed for self-employed borrowers who do not qualify using tax returns.

Instead of reviewing your tax filings, lenders evaluate:

• 12 months of personal or business bank statements

• Consistent income deposits

• Overall cash flow and reserves

• Down payment (often 20% or more)

This allows business owners who earn strong income to qualify based on real cash flow, not adjusted taxable income.

Real Example: From Renting to Homeownership Using an ITIN

In this recent transaction:

• The buyer had no Social Security Number

• He used an ITIN

• He was self-employed

• He provided 12 months of bank statements

• He had 20% down

• He did not rely on tax returns

Traditional lenders said no. As a mortgage broker, I was able to match him with the correct ITIN program. The result? He fired his landlord and became a homeowner.

Why Work With a Mortgage Broker for ITIN Loans?

ITIN loans are not offered by every lender, and guidelines vary widely. As a mortgage broker, I:

• Shop multiple lenders on your behalf

• Match your profile to the best program

• Structure loans for self-employed income

• Help navigate documentation requirements clearly

This flexibility is critical for business owners without a Social Security card.

States I Serve

I am licensed to help ITIN borrowers in:

• Arizona

• California

• Florida

• Texas

Each state has different market dynamics, but ITIN programs are available across all four when structured correctly.

If you need a loan in another state please call me, my co-workers are licensed in all 50 states.

Is Homeownership Possible for You?

If you:

• Are a business owner or self-employed

• Have an ITIN instead of a Social Security Number

• Earn strong income but write off expenses

• Have funds saved for a down payment

• Want to stop renting and build long-term stability

You may be closer to homeownership than you think.

Frequently Asked Questions (FAQs)

1. Can I buy a home with an ITIN instead of a Social Security Number?

Yes. Many lenders offer ITIN mortgage programs for qualified borrowers. You do not need a Social Security Number to buy a home if you meet income, credit, and down payment requirements.

2. Do I need tax returns for an ITIN loan?

Not always. Many ITIN loans for self-employed borrowers use 12 or 24 months of bank statements instead of tax returns, which is ideal for business owners with write-offs.

3. How much down payment is required for an ITIN mortgage?

Down payment requirements typically start around 20%, depending on the lender, credit profile, and loan structure.

Ready to Explore Your Options?

Homeownership is not only for borrowers who fit the traditional mold. With the right guidance, business owners without a Social Security Number can absolutely buy a home.

If you are located in Arizona, California, Florida, or Texas and want to explore ITIN mortgage options, I am here to help.

Reach out to start the conversation and see what is possible. I can help you!