ITIN Tax ID Home Loan Program Breaking Down Barriers to Homeownership for Non-Us Citizens who live and work in the United States.  Many of our immigrant population do not have a Social Security number and most have limited credit history which often disqualifies them from obtaining a mortgage loan or offering high interest rates and unfavorable terms. Without access to affordable financing, the benefits of homeownership remains an out-of-reach.  At 1st Florida Lending, we offer an affordable ITIN mortgage lending program that allows potential homeowners with an ITIN (Individual Tax Identification number) instead of a Social Security number to purchase there dream home. All of the loans originated through the program are in good standing, proving that offering affordable, responsible financing options to those who are currently unserved or underserved by today’s traditional banking and lending institutions can result in a high quality loan portfolio. Program Highlights Loan Amounts up to $600,000 / Min. Loan is $150,000 Up to 90% LTV with traditional credit and 620+ Fico Score Up to 75% LTV with non-traditional credit and No Fico Score SFR, PUD, Townhouse, Condo (Warrantable only) New purchases, refinance and cash-out available No pre-payment penalties No mortgage insurance Owner Occupied Only No Credit Score ? No Problem  If you have an ITIN tax number and have not established a credit score with 3 or more trade-lines, you can establish a 620 score by providing us with 12 months of on-time payments for 3 alternative sources (rent, utilities, cell, insurance, etc.). Income You income must be generated in the USA – no overseas income W-2 income for wage earners and/or last two year tax returns for non w-2 wage earners and self-employed – OK 24 months statements optional for (self-employed only) US Bank Account? Don’t Have a US bank account? You will need to establish a bank account before you loan is closed. Gift Funds For Down Payment ? Family members can help with your down payment reducing the borrowers down payment to 5% If you're interested in applying for the ITIN loan program, Click Here to complete a home purchase profile online!  
1st Florida Lending Corp., a registered Mortgage Lender Orlando servicing all of Florida offering over 48 loans programs including Conventional Loans, Non-Conforming Loans, FHA Loans, VA Loans, USDA Loan, Self-Employed Loans, Bank Statement Loans, No-Doc Loans, Reverse Mortgage Loans, ITIN Loans, Rental Investment Loans,   to name a few and specializing in Bank Statement Loans or “stated loans” requiring no Tax Return verification and much more.  * No broker or lender fees are for FHA,VA, USDA and Conventional loan types          Main Office: 2151 Consulate Dr. * Suite 8 *  Orlando, FL., 32837  * Telephone (800) 655-1345 * (407) 300-2558 * Fax (877) 401-9955 We are approved lenders for all Government Loans and registered with the Florida Office of Financial Regulation - # MLD106 When Banks Say No !  We Say YES !  ®  is a registered trademark owned by 1st Florida Lending Corp.
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Frequently Asked Questions about ITIN Home Loans Q. Do I need to have a perfect credit score to receive a mortgage? A. No, if you not have not established credit and pay your utilities, car payments, etc..  on time with good spending habits.  We can establish the required credit score of 620 using your tradelines.  Q. Can a person who is not a citizen, but who pays taxes with a ITIN number get a mortgage? A. Absolutely, in fact if you are paying taxes on time it will be easier to obtain an ITIN loan. Q. Will my information be reported to the United States Citizenship and Immigration Services? A. No, if you get a ITIN, it is only reported through the IRS and they don’t care if you are a resident or not, they just want to make sure you are paying taxes.
1st Florida Lending Corp
Florida's Direct Lender
When Banks Say NO! We Say YES!
Disclaimer:  All Loan programs, rates and terms can change without notice and are subject to credit and underwriting approval. We will always work hard to approve your loan.  There are no guarantees of any kind expressed or implied! © 2007 - 2018 1st Florida Lending Corp. - All rights reserved  I  Privacy Policy  I  Terms of Use  I