Short answer: In Florida, ITIN mortgages come from Non-QM lenders and from mortgage brokers that work with them, not from FHA or standard conventional programs, which require a Social Security Number. To compare ITIN lenders, look at who they are (broker or direct lender), where they are licensed, whether they serve you in your language, which documents they accept and the full cost in a Loan Estimate. Below are the criteria and some Florida companies that publish ITIN programs, using only what each company says about itself.
Full disclosure: this article is published by Heart Mortgage, one of the companies in the comparison. Company facts were checked on each company's own website on September 28, 2026, and can change. Always confirm a license on NMLS Consumer Access.
Why ITIN loans work differently
FHA requires a Social Security Number for each borrower, and so do Fannie Mae and Freddie Mac for standard conventional loans. That is why ITIN borrowers use Non-QM programs: loans outside those standard rules, with each lender setting its own requirements for credit, income documents, down payment and reserves. Because every lender writes its own rules, two ITIN offers for the same buyer can look very different. See how the program works on our ITIN mortgage page.
What to compare between ITIN lenders
- Broker or direct lender. A direct lender offers its own ITIN program. A broker compares ITIN programs from several lenders. Neither is automatically better; a broker matters most when your profile does not fit one lender's rules.
- License in your state. Check the company and the loan officer on NMLS Consumer Access.
- Documents they accept. Tax returns filed with your ITIN, W-2s or 1099s, bank statements if you are self-employed, and a U.S. credit report or alternative credit (rent, utilities, phone).
- Credit. Some lenders require a U.S. credit score under your ITIN; others accept alternative credit history. Ask what applies to you.
- Down payment and reserves. ITIN programs usually ask for more than conventional or FHA loans. The amount depends on the lender, your credit and the property.
- Full cost. Ask for a Loan Estimate and compare the APR, points and lender fees, not just the rate.
- Language. If English is not your first language, make sure every document is explained in yours.
Florida companies that publish ITIN programs
| Company | Type (as the company describes itself) | Company NMLS | Where it lends | Service in Portuguese |
|---|---|---|---|---|
| Heart Mortgage | Mortgage broker | #2045769 | 10 states, including Florida | Yes, all 11 licensed loan officers |
| Alvorada Mortgage | Mortgage broker | #2137907 | Georgia and Florida | Yes |
| Beyond Financing | Mortgage broker and correspondent lender | #2394496 | Several states, including Florida (see its licensing page) | Yes |
| Home Financial Group | Mortgage lender | #305389 | Florida | Yes (English, Spanish, Portuguese) |
All four list ITIN loans among their programs. Sources, checked September 28, 2026: Alvorada Mortgage, Beyond Financing ITIN loans, Home Financial Group, Heart Mortgage.
This is not a ranking. Rates and fees are left out on purpose: they change daily and depend on your profile.
Where Heart Mortgage fits
- A mortgage broker (NMLS #2045769) founded in 2021 by Lee Dama (NMLS #485039), a Brazilian who arrived in the U.S. at 19.
- We compare ITIN programs from multiple lenders instead of offering one set of rules.
- 11 licensed loan officers, all fluent in English and Portuguese; 7 also speak Spanish.
- Licensed in 10 states: FL, TX, NJ, MA, CT, SC, NC, RI, NH and GA.
Where another option may fit better: if the property is in a state where we are not licensed, or if you prefer a direct lender with its own in-house ITIN program.
Documents to have ready
- Your ITIN letter from the IRS (a valid, unexpired ITIN).
- Passport or government photo ID.
- Federal tax returns filed with your ITIN.
- Proof of income: W-2s or 1099s and pay stubs, or bank statements if you are self-employed.
- Bank statements showing the down payment and reserves.
- A U.S. credit report under your ITIN, or proof of on-time rent, utility and phone payments.
More detail: ITIN mortgage loans: a simple guide and ITIN vs. foreign national mortgages.
Frequently asked questions
What is an ITIN mortgage?
A home loan for people who file U.S. taxes with an Individual Taxpayer Identification Number instead of a Social Security Number. It is a Non-QM loan, so each lender sets its own requirements.
Can I get an FHA loan with an ITIN?
No. FHA requires a Social Security Number for each borrower. ITIN borrowers use Non-QM programs.
How do I find ITIN mortgage lenders in Florida?
Look for lenders or brokers that list ITIN programs on their website, check their license on NMLS Consumer Access, and compare at least two Loan Estimates for the same scenario.
What credit do I need for an ITIN loan?
It depends on the lender. Some require a U.S. credit score under your ITIN; others accept alternative credit, such as on-time rent, utility and phone payments.
How much down payment does an ITIN loan need?
Usually more than a conventional or FHA loan. The amount depends on the lender, your credit and the property; your loan officer confirms it for your case.
Requirements and terms vary by borrower profile, program and lender, and are subject to change. This article is educational and is not a commitment to lend. Heart Mortgage Corporation, NMLS #2045769. Equal Housing Opportunity.
