ITIN Mortgage Loans in Florida

Last updated October 14, 2026

Yes. In Florida you can get a mortgage with an ITIN instead of a Social Security number, qualifying on full documentation, bank statements, 1099s or a P&L. I'm Travis Penny, and I do ITIN home loans through my Florida ITIN loans for Florida buyers who pay taxes with an Individual Taxpayer Identification Number. I started in 2004 and I'm still here, and I've seen plenty of good buyers turned away at a bank counter for no reason other than the number on their tax return.

How ITIN loans work

An ITIN loan works a lot like any other mortgage. You show income, assets, credit and a down payment, and the lender looks at the whole file. The difference is that these loans come from lenders who accept an ITIN in place of a Social Security number. Those lenders aren't usually the bank on the corner, which is why a broker helps.

Ways to show your income

Full documentation: tax returns and W-2s or pay stubs.
Bank statements: your deposits show what you earn.
1099s: for contractors and gig workers.
P&L: a profit and loss statement for business owners.

I pick the one that tells your income story best.

FAQ

Can I get a mortgage with an ITIN in Florida?

Yes. Travis Penny does ITIN mortgages for Florida homebuyers who file taxes with an ITIN instead of a Social Security number. Not everyone will qualify.

How much down payment do I need for an ITIN loan?

Travis Penny's Florida ITIN loans usually need a larger down payment than a standard loan, and the exact amount depends on the program, your credit and the home. Not everyone will qualify. I'll give you the real number for your file on the first call.

What documents do ITIN lenders need?

ITIN lenders working with Travis Penny in Florida typically ask for your ITIN letter, a valid ID such as a passport, proof of income, and bank statements showing your down payment and reserves.

Can I use bank statements for an ITIN mortgage?

Yes. Travis Penny can qualify Florida ITIN borrowers on bank statements, so your deposits show your income instead of tax returns.

Do I need credit history for an ITIN home loan?

It helps, but a thin file isn't always a deal breaker. Some Florida ITIN programs Travis Penny works with can look at other payment history, such as rent and utilities.

Can I buy a home in Florida if I'm not a citizen?

Yes. Travis Penny helps non-citizens buy Florida homes, whether with an ITIN, as a permanent resident, or through his foreign national loans.

I'll tell you on the first call which income option fits how you're paid. Text me at (207) 615-7770 or use the contact form.