ITIN Loans Florida – Home Financing for Non-Citizen Borrowers

At North Star Mortgage Network, we help hardworking individuals achieve homeownership through ITIN loans Florida families rely on. These programs are designed for borrowers who don’t have a Social Security Number but file U.S. taxes using an Individual Taxpayer Identification Number (ITIN).

If you live and work in the U.S. and dream of owning a home, our ITIN loan programs can make that possible — with clear, flexible options and personal guidance every step of the way.

What Are ITIN Loans?

ITIN loans Florida programs allow non-citizen borrowers to buy or refinance a home using their Individual Taxpayer Identification Number. This unique program gives access to mortgage financing for individuals who are not eligible for traditional loans requiring a Social Security Number.

With an ITIN loan, qualified borrowers can purchase primary or investment properties while building credit and long-term financial security in the United States.

Learn more about ITIN guidelines at IRS.gov.

Benefits of ITIN Loans Florida

An ITIN loan provides a clear path to homeownership for those who contribute to the U.S. economy but don’t meet standard credit or identification criteria.

Here are some of the top advantages:

  • No Social Security Number required. Borrow using your ITIN.

  • Flexible income documentation. Use tax returns, W-2s, or bank statements.

  • Credit alternatives accepted. Utility or rent payments may establish history.

  • Down payments as low as 15%–20%. Varies by property and borrower profile.

  • Available for purchase or refinance. Primary and investment properties allowed.

  • Competitive rates and terms. Often similar to Non-QM loan programs.

These loans empower non-citizen buyers to secure financing and start building wealth through real estate.

Who Qualifies for ITIN Loans Florida

You may qualify for an ITIN loan if you:

  • Possess a valid Individual Taxpayer Identification Number (ITIN).

  • Have two years of consistent employment or self-employment.

  • Provide proof of income through tax returns, pay stubs, or deposits.

  • Maintain a reasonable credit history or alternative trade lines.

  • Have funds for a minimum 15%–20% down payment.

  • Intend to purchase a primary or investment property.

Our experienced team reviews your situation personally to find the best loan terms for your goals and eligibility.

How ITIN Loans Work

The process for applying for ITIN loans Florida is straightforward:

  1. Initial Consultation: We discuss your goals and review eligibility.

  2. Document Collection: Gather proof of income, tax returns, and ID.

  3. Loan Structuring: We match your profile with the right program.

  4. Approval and Underwriting: Your loan is reviewed and processed.

  5. Closing: Once approved, you finalize your loan and receive the keys.

At North Star Mortgage Network, we manage every detail — ensuring you understand your loan terms clearly and that your file moves efficiently through underwriting.

Local Focus – Helping Borrowers Across Florida

From Jacksonville and St. Johns County to Miami, Orlando, and Tampa, we’ve proudly helped Florida borrowers secure ITIN financing for over 25 years.

As a trusted Florida mortgage broker, we know how to navigate underwriting guidelines and match non-citizen buyers with the right programs. Our local experience ensures faster approvals, clearer communication, and trusted results.