Investment & DSCR
What is an ITIN loan?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
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.
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