Borrowers in Florida who have an ITIN instead of a Social Security number often find that banks and agency programs are not set up for them, even with steady income and a solid record of paying bills. ITIN mortgage programs fill that gap by using IRS-issued identification, tax returns filed with an ITIN and, in some cases, alternative credit. Programs vary by borrower, property and investor, so it helps to talk with someone who handles ITIN files in Florida regularly.
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
Mortgage lenders, brokers and loan originators serving Florida are licensed by the Florida Office of Financial Regulation. Non-QM loans are made by the same licensed lenders and brokers, so you can confirm any company's or loan officer's license on NMLS Consumer Access before you apply.
Where the numbers point in Florida
Counties with the most residents born outside the U.S.:
| County | Residents born outside the U.S. |
|---|---|
| Miami-Dade County | 54.5% |
| Broward County | 36.9% |
| Hendry County | 30.0% |
| Palm Beach County | 27.7% |
| Osceola County | 26.6% |
| Collier County | 24.6% |
| Orange County | 24.3% |
| Monroe County | 19.8% |
| Hillsborough County | 19.7% |
| Lee County | 18.9% |
Start your application in a few minutes. A licensed loan officer reviews it and follows up with your options.
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Prefer to talk first? Call (888) 508-8976. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.
Local pages in Florida
- Non-QM lenders in Miami
- Non-QM lenders in Tampa
- Non-QM lenders in Orlando
- Non-QM lenders in Jacksonville
- Non-QM lenders in Sarasota
- Non-QM lenders in Cape Coral
- Non-QM lenders in Palm Bay
- Non-QM lenders in Port St. Lucie
- Non-QM lenders in Bonita Springs
- Non-QM lenders in Palm Coast
- Non-QM lenders in Kissimmee
- Non-QM lenders in Pensacola
- Non-QM lenders in Lakeland
- Non-QM lenders in Winter Haven
- Non-QM lenders in St. Petersburg
- Non-QM lenders in Tallahassee
- Non-QM lenders in Hialeah
- Non-QM lenders in North Port
- Non-QM lenders in Gainesville
- Non-QM lenders in Deltona
- Non-QM lenders in Fort Lauderdale
- Non-QM lenders in Pembroke Pines
- Non-QM lenders in Ocala
- Non-QM lenders in Hollywood
- Non-QM lenders in Leesburg
- Non-QM lenders in Miramar
- Non-QM lenders in Panama City
- Non-QM lenders in Coral Springs
- Non-QM lenders in Lehigh Acres
- Non-QM lenders in Clearwater
Common questions
Does applying for an ITIN loan involve my immigration status?
A mortgage application is a credit decision, and a loan officer cannot advise you on immigration questions. Lenders ask for documents such as your ITIN letter, passport and a visa if applicable to verify your identity. If you have questions about how buying property or applying for credit relates to your personal situation, consult an immigration attorney before you apply.
Can I get a mortgage with an ITIN instead of a Social Security number?
You may qualify. Non-QM lenders offer programs for borrowers with an ITIN instead of a Social Security number. These loans sit outside Fannie Mae and Freddie Mac guidelines, so each investor sets its own rules for credit, income and property type. The lender still verifies that you can repay. Each program sets its own terms, and every file is subject to credit approval.
Can self-employed ITIN borrowers qualify?
Many programs accept self-employed borrowers with an ITIN. Income may be documented with tax returns filed under your ITIN, or with personal or business bank statements reviewed over 12 or 24 months. When bank statements are used, the lender applies an expense factor to business deposits or relies on an expense letter from a CPA or tax preparer. Keeping business and personal money in separate accounts makes the review smoother.
Other non-QM options in Florida
Bank statement loansNon-QM lendersSelf-employed1099 loansP&L loansAsset depletionNo-doc / stated incomeNew self-employedForeign nationalNon-warrantable condoBank statement HELOCInterest-only
Related guides
- ITIN Mortgages: How Home Loans Work for Borrowers With an ITIN
- What Is a Non-QM Loan?
- How to Compare Non-QM Loan Offers: Loan Estimates, Features and Fit
ITIN Mortgage Loans overview · Florida non-QM overview
- Census ACS 2020-2024, table B05002