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No SSN Required

ITIN Loan in Boca Raton, FL

Your licensed Boca Raton mortgage broker for itin loans. We shop multiple lenders to find the right ITIN terms for your Boca Raton purchase, and keep the file moving to the closing table.

$620,000
Median Home Price
No SSN Required
ITIN Highlight
33432
Primary ZIP
Get Pre-ApprovedCall Now
Get Pre-Approved in Boca Raton
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
ITIN Loan · Boca Raton

ITIN Loans From Your Boca Raton Mortgage Broker

An ITIN loan lets buyers who file taxes with an Individual Taxpayer Identification Number purchase a home without a Social Security number. It is built for hardworking residents who have income and savings but no traditional SSN credit profile.

Boca Raton's median near $620,000 puts many purchases at the move-up end of Palm Beach County. Loan size and structure start to matter there. We line up the ITIN terms against that price point before you commit.

Boca Raton sits firmly in jumbo and high-balance territory. Its FAU and corporate crowd means we regularly place professionals into physician and asset-based programs alongside standard conventional financing.

What a ITIN Loan Offers in Boca Raton

✓Qualify with an ITIN instead of an SSN
✓No Social Security number or citizenship required
✓10–20% down is typical
✓Alternative credit (rent, utilities) can build the file
✓Tax returns or bank statements document income
✓Primary residences and some investment purchases

As a broker, not a bank, we compare itin loan pricing across lenders at no cost. You get real numbers for your Boca Ratonprice point. Start with a five-minute application or call (561) 300-0380 and we will map the numbers to your situation. You can also read the full ITIN Loan program guide. Or review the IRS guide to the ITIN for the official rules behind the program.

ITIN Loan Snapshot
ID RequiredITIN (no SSN)
Minimum Down10–20%
CreditTraditional or alternative
Best ForITIN filers without an SSN
CityBoca Raton
CountyPalm Beach County
Broker NMLS#1859012
How It Works in Boca Raton
01
Apply Online
5 min · soft credit pull only
02
Match Program
We shop lenders for your ITIN terms
03
Processing
Our team handles paperwork
04
Close
We coordinate title and signing in Boca Raton
Get Pre-Approved
FAQ

ITIN Loan in Boca Raton Questions

Can I buy a house in Boca Raton with an ITIN?

Yes. An ITIN loan lets you purchase in Boca Raton without a Social Security number. You will typically put 10 to 20% down and document income with tax returns or bank statements. We have closed these loans across South Florida and can walk you through it in Spanish or English.

Do I need a credit score for an ITIN loan?

A traditional score helps, but many ITIN programs accept alternative credit — rent, utilities, insurance, and similar recurring payments — to build the file when a standard score is thin or absent.

Where can I get a itin loan in Boca Raton, FL?

Mortgage Capital is a licensed Florida mortgage broker (NMLS# 1859012) writing itin loans in Boca Raton and across Palm Beach County. As a broker we shop multiple lenders for the program. You see real Boca Raton pricing rather than one bank's box. Call (561) 300-0380 or apply online.

How fast can a itin loan close in Boca Raton?

The timeline depends on the program, the appraisal, the title work, and how quickly the seller and their lender respond, so we do not quote a fixed number of days. We return most pre-approval decisions within one business day and order third-party reports as early as the contract allows. A fully underwritten pre-approval is the strongest way to keep your Boca Raton closing on schedule.

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Official resources

Verify the details for your own situation against these government and agency sources: IRS ITIN overview and CFPB non-QM explainer.

ITIN Loan Questions

What Boca Raton borrowers ask us before they start a itin loan application.

What is a 1099 income loan?Can I qualify with one year of self-employment?Can I buy a home with a 1099 income?What is a bank statement loan?How long after a foreclosure can I buy a home?Do I need a gift letter for down payment funds?
Browse all mortgage questions→
Tools & Programs
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ITIN Loan in Boca Raton?

Your local Boca Raton mortgage broker. 5-minute pre-approval, honest rates, fast closing.

Get Pre-Approved(561) 300-0380

Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.