ITIN Mortgage Loans in Florida
Florida has one of the largest ITIN-eligible buyer populations in the country — concentrated in Miami-Dade, Broward, Palm Beach, Orange, and Hillsborough counties. Dynamic Funding Solutions is a licensed Florida mortgage broker offering ITIN home loan programs for buyers who file taxes with an Individual Taxpayer Identification Number.
What Is an ITIN Mortgage?
- Uses your IRS-issued ITIN (starts with 9) instead of a Social Security Number
- Non-QM / non-conforming loan — not a Fannie Mae or Freddie Mac product
- Designed for lawful US residents who pay taxes but have not yet obtained an SSN
- Available for purchase and rate/term refinance
- Primary residence and investment property options
ITIN Mortgage Requirements in Florida
- Valid ITIN (IRS Form W-7)
- 2 years of ITIN tax returns (1040 with ITIN)
- OR 12–24 months bank statements as income alternative
- 10–20% down payment (LTV up to 80–85%)
- Alternative credit accepted: 12 months rent history, utility bills, authorized user tradelines
- Property: single-family, condos (warrantable), 2–4 units
ITIN Loan Programs Available in Florida
- Standard ITIN full-doc
- Bank statement ITIN (12 or 24 month deposits)
- 1099 ITIN for independent contractors
- DSCR ITIN for investors (qualifies on property rental income)
Florida Markets Where ITIN Loans Are Common
- Palm Beach County — large ITIN-eligible buyer community
- Broward County — Miramar, Pembroke Pines, Hialeah areas
- Miami-Dade County — Dynamic Funding Solutions can originate statewide
- Central Florida / Orlando metro
- Tampa Bay area
ITIN Mortgage Rates in Florida
- Rate premium over conventional: typically 1–2% higher
- 30-year fixed and 15-year fixed available
- ARM options with 5/1 and 7/1 terms
- Rates vary by lender, FICO equivalent, LTV, and loan amount
FAQ — ITIN Mortgage Florida
What ITIN mortgage programs are available in Palm Beach County?
In Palm Beach County, ITIN buyers can access full-doc ITIN, bank statement ITIN, and DSCR ITIN programs through non-QM lenders. Dynamic Funding Solutions maintains relationships with multiple ITIN-approved wholesale lenders.
Can I get an ITIN mortgage for a condo in Florida?
Yes, for warrantable condos. Florida has many non-warrantable condo projects — particularly investor-heavy complexes — which require non-QM condo programs separate from the ITIN question. Call to verify the specific complex before signing a contract.
Do I need to be a US citizen for an ITIN mortgage?
No. ITIN mortgages are available for non-US citizens who are lawful US residents (visa holders, DACA recipients, and others). The ITIN itself demonstrates an established relationship with the IRS.
Florida ITIN buyer? Call (215) 364-7171 or submit a contact request at dynamicfunding.net. We originate statewide across Florida.
Dynamic Funding Solutions NMLS #17144. Lena Polnet NMLS #17225. Licensed mortgage broker. This is not a commitment to lend. All loan programs subject to qualification, lender approval, and market conditions. ITIN mortgage programs are non-QM products and are not government-backed.