Mortgage financing for borrowers with an Individual Taxpayer Identification Number. No Social Security number required. Available for Florida home purchases.
15%
Min Down
None req
Min Credit
85%
Max LTV
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
Key Features
- No Social Security number required
- ITIN (Individual Taxpayer ID) accepted as primary ID
- 15-20% down payment
- 2 years of US tax returns (filed with ITIN)
- Alternative credit accepted (rent, utilities, phone, insurance payments)
- Loan amounts up to $1 million+
- Available for primary residence
- Fixed rate options (30-year typical)
Who Is This For?
- Non-US citizens with a valid ITIN
- Undocumented immigrants who file US taxes
- Visa holders whose visa type doesn’t qualify for conventional financing
- Anyone with an ITIN who wants to buy a primary residence in Florida
Florida-Specific Considerations
- Large ITIN-eligible population in South Florida, Orlando, and Tampa
- Florida has many ITIN-friendly lenders due to high demand
- Hablamos Español — bilingual service for Spanish-speaking borrowers
- Florida documentary stamp tax and intangible tax apply regardless of immigration status
- Homestead exemption available to all Florida primary residence owners (including ITIN holders)
- Florida has no state income tax — simplifies tax return documentation
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