FHA P&L Loans and FHA ITIN Loans in Florida
By Travis Penny, mortgage broker ·
Last updated October 14, 2026
If you want the program details in one place, start with my FHA P&L and FHA ITIN loans page. Here's how it works and who it fits.
Can I get an FHA loan with a P&L?
In Florida, yes. Instead of leaning only on two years of tax returns, this option can use a profit and loss statement to show self employed income, with FHA's lower down payment.
Can I get an FHA loan with an ITIN?
Most FHA lenders require a Social Security number. In Florida I have an FHA option for some ITIN buyers.
What about a written VOE?
In Florida there's also an FHA option where your employer completes a written verification of employment.
I'm not in Florida. Now what?
These programs are Florida only. In Maine, start with my Maine FHA loans page.
Where to go from here
My FHA P&L and FHA ITIN loans page has the full rundown, and the qualify quiz tells you in two minutes if it's worth a call.
FAQ
Can I get an FHA loan if I've been self employed one year?
Possibly, in Florida, using a P&L. I'll review your history. Not everyone will qualify.
Is there an FHA loan without a Social Security number?
In Florida I have an FHA option for some ITIN borrowers.
What is an FHA P&L loan?
An FHA loan where a profit and loss statement helps document self employed income.
Are these available outside Florida?
No. They're Florida only.
Ready for the next step? Take my 2 minute qualify quiz, send me your scenario through the contact form, or apply now. You can also text me at (207) 615-7770 or email Travis@travis.mortgage.
Travis Penny