This loan program offers financing for Undocumented / Non-US Citizens / Foreign National Borrowers living and working in Florida who have a valid passport from their country of origin and current ITIN ID card to purchase a primary home in FLORIDA. Including DACA status At 1st Florida Lending, we offer an affordable ITIN mortgage loans that allows the Non-Us Citizens 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. 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).

Program Highlights • Min. Loan is $150,000 • 90% LTV / with 720 credit / W2 wage earners or self-employed • 85% LTV/ min 700 credit / W2 wage earners or sefl-employed • 80% LTV with credit scores from 660 to 719 • 75% LTV if below 660 or no credit score • Single Family, Town-house, Multi Family, Mobile, Condo • New purchases, refinance and cash-out available • No pre-payment penalties • No mortgage insurance • Owner Occupied Only