ITIN Mortgage Lenders in Florida

Last updated October 14, 2026

Most banks don't do ITIN loans. A broker can bring your file to the lenders that do and compare their terms for you. I'm Travis Penny, a Florida mortgage broker, and ITIN loans are part of my Florida ITIN loans. Instead of filling out five applications and taking five credit pulls, you talk to me once.

Why ITIN lenders are hard to find

Most banks sell their loans to Fannie Mae or Freddie Mac, and those loans need a Social Security number. So the bank says no. ITIN loans come from a smaller group of lenders that keep their own guidelines. They're out there. You just won't find them in the lobby of a bank.

What a broker does for you

I send your file to the ITIN lenders I work with, compare what each one offers, and bring you the best fit. You get one point of contact from application to closing.

FAQ

Which lenders do ITIN mortgages in Florida?

ITIN mortgages in Florida come mostly from non-QM lenders, not big banks. Travis Penny brokers Florida ITIN loans to several of those lenders and finds the one that fits your file.

Why do banks turn down ITIN borrowers?

Most banks only make loans they can sell to Fannie Mae or Freddie Mac, and those need a Social Security number. Travis Penny works with lenders that keep ITIN loans on their own guidelines.

Is a broker better for an ITIN loan?

Usually, yes. Travis Penny can compare several Florida ITIN lenders on one application, so you're not shopping one bank at a time.

Are ITIN mortgage rates higher?

ITIN loans are priced differently from standard loans, and your pricing depends on your credit, down payment and the program. Travis Penny quotes your actual rate, with the APR, when you're ready.

I compare ITIN lenders for you instead of you applying everywhere. Text me at (207) 615-7770 or use the contact form.