ITIN Mortgage
ITIN Mortgages: Real Estate Solutions Without a Social Security Number
Primary & Second Homes in Florida | Investment Properties in Florida and Over 45 States
Summary:
ITIN mortgages are a powerful financing tool for individuals who do not have a Social Security Number (SSN) but wish to buy property in the United States. These loans are specifically designed for borrowers with an Individual Taxpayer Identification Number (ITIN), making them ideal for foreign nationals, undocumented immigrants, and non-U.S. residents. At Ferrari Lending, we offer ITIN loan programs for primary residences and second homes in Florida, as well as investment properties in Florida and over 45 states, helping our clients build long-term wealth through real estate.
What Is an ITIN Mortgage?
An ITIN mortgage is a non-traditional loan product tailored for borrowers who lack a Social Security Number but hold a valid ITIN issued by the IRS. These borrowers often include immigrants, foreign nationals, and self-employed individuals with limited access to mainstream financing options. ITIN loans are underwritten through private investors or non-QM (non-qualified mortgage) lenders, using alternative documentation to evaluate the borrower’s creditworthiness.
Who Qualifies for an ITIN Loan?
To be eligible for an ITIN mortgage, borrowers generally need to meet the following criteria:
- Valid ITIN number
- Two years of tax returns (filed using ITIN)
- Government-issued ID (passport or consular identification)
- Proof of income (W-2, 1099, or self-employed income)
- Proof of assets for down payment and reserves
- Credit references (foreign credit or alternative credit such as rental history or utility bills)
Some lenders are flexible and may allow borrowers to qualify with as little as 15% down, depending on the program, credit profile, and property type.
Properties Eligible Under ITIN Loan Programs
At Ferrari Lending, our ITIN loan programs support the following property types:
- Primary residences in Florida
- Second homes in Florida
- Investment properties in Florida
- Investment properties in over 45 states
This allows our clients to purchase a personal home in Florida or build a rental property portfolio across the U.S. We cater to both first-time buyers and experienced real estate investors using ITINs to leverage market opportunities.
Benefits of ITIN Mortgages
Choosing an ITIN mortgage opens the door to homeownership and real estate investing, even without a Social Security Number. Here are the key benefits:
- No SSN Required: Accessible to borrowers who only have an ITIN
- Alternative Credit Accepted: Foreign credit history, rental records, and utility bills are considered
- Self-Employed Friendly: Qualify using 1099s, profit-and-loss statements, or bank statements
- Multiple Property Types Allowed: Primary, second home, and investment options
- Nationwide Reach: Purchase investment properties in 45+ states through our lending partners
Features of Ferrari Lending’s ITIN Mortgage Programs
We work with multiple wholesale lenders and private investors to provide flexible terms and fast closings on ITIN mortgage loans. Key features include:
- Loan amounts from $100,000 to $2.5M+
- Fixed and adjustable-rate options
- 15–25% down payment (based on risk profile)
- No U.S. credit score required
- Foreign income accepted (translated and verified)
- Bank statement programs available (12–24 months)
- Close in an LLC or individual name (where applicable)
Every borrower is unique, and we tailor each loan structure to match your income, investment strategy, and property type.
Document Checklist
To get started, borrowers should prepare the following documents:
- Valid ITIN and government-issued ID (passport or consular ID)
- Two years of tax returns or alternative income proof
- Bank statements (12–24 months for self-employed programs)
- Proof of funds for down payment and closing costs
- Lease agreements (for rental properties)
- Alternative credit references (if no U.S. credit)
We simplify the document collection process and guide you through each step to ensure a smooth experience from pre-approval to closing.
Ideal Borrowers for ITIN Loans
Our ITIN mortgage programs are designed for:
- Self-employed immigrants operating cash-based businesses or earning 1099 income
- Foreign nationals looking to invest in U.S. real estate
- Undocumented residents who live in Florida and pay taxes using an ITIN
- Newcomers to the U.S. building financial roots through property ownership
- Real estate investors buying rental properties across state lines
Why Choose Ferrari Lending?
At Ferrari Lending, we specialize in non-QM and ITIN mortgage programs with an emphasis on speed, service, and custom solutions. We understand the needs of self-employed borrowers, foreign investors, and individuals working toward U.S. residency—and we structure loans to reflect their financial reality.
As a Florida-licensed mortgage brokerage, we offer ITIN loans for both personal use and investment purposes, partnering with top-tier lenders across the country. We handle the entire loan process from qualification to funding with clarity, care, and compliance.
Start Your ITIN Mortgage Journey Today
Whether you’re buying your first home in Florida or expanding your investment portfolio across the U.S., our ITIN mortgage programs can help you take the next step. We’re here to answer your questions, review your eligibility, and deliver a financing solution that fits.
📞 Call today: 561-571-2552
📧 Email: [email protected]om
🌐 Visit: www.ferrarilending.com
Don’t let the absence of a Social Security Number stop you from investing in your future—contact Ferrari Lending and discover how an ITIN mortgage can help you build wealth through real estate.