At 1st Florida Lending, we offer an affordable ITIN mortgage loans that allows Undocumented / Non-US Citizens / Foreign National Borrowers who live and work in Florida to purchase home. Many of our Undocumented / Non-US Citizens / Foreign National immigrant population do not have a Social Security numbers and have limited credit history or no Credit History which often disqualifies them from obtaining an FHA or Conventional Mortgage. US citizenship and a social security number are not required for a DACA or ITIN Home Loan We currently offer 6 ITIN Mortgage Loan Program options that have helped thousands of employed and/or self-employed undocumented immigrant families living and working throughout the state of Florida realize their dream of home ownership. Once you apply, one of our ITIN home loan specialists will guide you through the ITIN home loan process. Whether you're a first time buyer, refinancing your existing home, or relocating. We can close your loan in 30 days or less. No se requiere la ciudadanía estadounidense ni un número de seguro social para un Préstamo Hipotecario DACA or ITIN Actualmente, ofrecemos 6 opciones del Programa de Préstamos Hipotecarios ITIN que han ayudado a miles de familias inmigrantes no documentadas indocumentadas empleadas y / o autoempleadas que viven y trabajan en todo el estado de Florida a realizar su sueño de ser propietario de una casa. Una vez que presente su solicitud, uno de nuestros especialistas en préstamos hipotecarios de ITIN lo guiará a través del proceso de préstamos hipotecarios de ITIN. Ya sea que sea un comprador por primera vez, refinancie su casa existente o se traslade. Podemos cerrar su préstamo dentro de 30 días o menos Program Highlights • 90% LTV / with 720 credit / W2 wage earners or self-employed (check availability) • 85% LTV/ min 700 credit / W2 wage earners or sefl-employed (check availability) • 80% LTV with credit scores from 660 to 719 • 75% LTV if below 660 or no credit has been established non-traditional trade-lines can be acceptable) • Single Family, Town-house, Multi Family, Mobile Home w/ Land, Condo (No Condo Questionnaire Required!) • New purchases, refinance and cash-out available • No pre-payment penalties • No mortgage insurance • Primary and Second Homes Only Q. Do I need to have a perfect credit score to receive a mortgage? * A. No, if you not have not established credit and pay your utilities, car payments, etc.. on time with good spending habits. We can establish the required credit score of 640 using your trade-lines. Q. What type of income do I need to provide? • Are you Self-Employed ? Use bank statements (personal/business) to document your income - No Tax returns or W-2 required ! Your income must be generated in the USA – no overseas income allowed • Are you a Wage Earner ? Use No Tax returns or W-2 to document your income Your income must be generated in the USA – no overseas income allowed Identification A Valid Passport from your country of origin (or) State ID is required No Credit Score ? No Problem If you have an ITIN tax number and have not established a credit score with 3 or more trade-lines, you can establish a 620 score by providing us with 12 months of on-time payments for 3 alternative sources (rent, utilities, cell, insurance, etc.). Gift Funds For Down Payment ? Family members can help with your down payment reducing the borrowers down payment to 5% ITIN mortgage loans provide an opportunity at home ownership for undocumented immigrants. Neither citizenship or a social security number are required. To apply for an ITIN loan, you may do so using your ITIN number (individual tax identification number).