Strong income, solid savings, years of on-time payments — and still told "you'll need to pay cash." In this episode of The Approval Advantage Podcast, 28-year mortgage veteran Mike Baltazar of Barrett Financial Group (the #1 mortgage broker by volume in the U.S. for 2025) breaks down ITIN home loans, the financing option built for buyers without a Social Security number.

You'll learn:

• What an ITIN (Individual Taxpayer Identification Number) is, and who qualifies for ITIN home loans

• Why so many realtors and loan officers wrongly assume these buyers can only pay cash

• How today's ITIN programs reach up to 85% loan-to-value — far more than the old, low-LTV programs

• How ITIN borrowers can qualify using bank statements, DSCR, or full documentation

• How lenders build a credit picture using rent, utility, and insurance payment history when there's no U.S. credit score yet

• Why this underserved buyer pool represents some of the most stable, loyal clients a realtor or lender will ever work with

Essential listening for realtors and financial advisors working in immigrant and foreign national communities, and for any buyer who's been told a Social Security number is required to own a home in America.

Learn more or connect with Mike directly at www.MikeBaltazar.com.

Topics: ITIN loan, ITIN mortgage, home loan without Social Security number, foreign national mortgage, immigrant home buying, no SSN mortgage, first-generation homebuyer, Barrett Financial Group, Mike Baltazar