If you hold an ITIN (Individual Taxpayer Identification Number), you can qualify for mortgage financing to purchase property in Florida. 1st Capital Group offers ITIN mortgage programs through our network of wholesale lenders, with loan amounts from $100,000 to $7 million or more.
ITIN loans are available for properties across all 67 Florida counties. Borrowers with an employment visa may qualify for financing up to 97% LTV. No Social Security number is required — your ITIN serves as your identification for the mortgage application.
We also offer no-income-verification and no-doc loan options for ITIN holders, along with programs that accept both secured and unsecured credit lines for credit qualification.
Loan Details
| Loan Amounts | $100,000 to $7,000,000+ |
|---|---|
| Coverage | All 67 Florida counties |
| LTV with Employment Visa | Up to 97% |
| South Florida Condos | 60% LTV |
| U.S. Credit Required | No — secured or unsecured credit lines accepted |
| SSN Required | No — ITIN accepted |
| Income Verification | No-income-verification and no-doc options available |
| Interest Rates | Competitive — call (954) 300-1287 for current rates |
| Closing Timeline | 10-30 days |
What You Will Need
- Valid ITIN (Individual Taxpayer Identification Number)
- Valid passport and visa (if applicable)
- Funds in a U.S. bank account
- Credit line documentation: secured or unsecured credit card, utilities, or telephone bill
- Property must be located in Florida
Frequently Asked Questions
What is an ITIN mortgage?
An ITIN mortgage allows borrowers who hold an Individual Taxpayer Identification Number (Tax ID) to qualify for a home loan without a Social Security number. These programs are available for Florida properties through our lender network.
Can I get up to 97% financing with an ITIN?
Borrowers with an employment visa may qualify for financing up to 97% LTV. Standard ITIN programs have varying LTV limits depending on property type and location.
What credit documentation is accepted?
ITIN programs accept a range of credit documentation including secured or unsecured credit cards, utility bills, and telephone bills. Traditional U.S. credit history is not required.
Are ITIN loans available outside Florida?
Our current ITIN programs are available for Florida properties only, covering all 67 counties statewide.
How fast can an ITIN loan close?
ITIN loans can close in as little as 10-30 days depending on the program and documentation.
Ready to Get Started?
Get a free consultation with Nick Lazarevic. We will match you with the best program from our network of 60+ lenders.
1st Capital Group as dba of GFL Capital Mortgage Inc | Company NMLS #64367 | Nick Lazarevic NMLS #38639 | Licensed Mortgage Lender | Equal Housing Opportunity | All loans subject to lender underwriting approval. Programs, rates, terms, and conditions are subject to change without notice. Not a commitment to lend.