What is an ITIN loan?
An ITIN loan lets borrowers who file taxes with an Individual Taxpayer Identification Number — instead of a Social Security number — buy a home. It's a key path for many immigrant families in Florida.
Expect 15% to 20% down, proof of income (returns, bank statements, or 1099s), and a rate slightly above conventional. We partner with lenders experienced in ITIN files to get these closed.
A loan without an SSN
An ITIN loan is a mortgage for buyers who have an Individual Taxpayer Identification Number rather than a Social Security number. It lets immigrants and foreign workers buy homes in the U.S.
Instead of a standard credit profile, lenders often accept alternative credit like rent, utility, and phone payment history.
Typical terms
ITIN loans usually require 10% to 20% down and proof of steady income. Rates run a bit higher than conventional loans because they sit outside standard guidelines.
Many Florida families use ITIN loans to own their first home. Apply now and we will guide you through the requirements.
Verify the details for your own situation against these government and agency sources: IRS ITIN overview and CFPB non-QM explainer.