Lumos Mortgage"Thank you Lumos Mortgage Group for all your support during my buyer's financing process. It was a challenging one but we made it!! I will definitely recommend you to more clients."
I
Isabel Z.
Google · May 2026
ITIN home loans
Buy your home with an ITIN — no Social Security number needed.
We work with lenders that accept ITIN borrowers and walk you through every step, in English or Spanish.
4.99· 215 reviews
Step 1 of 6
How it works
- 1
Answer a few questions
About 45 seconds. No credit check to start.
- 2
We shop lenders for you
As a licensed broker, we compare programs from multiple lenders.
- 3
Get your game plan
A Lumos advisor texts you with next steps and documents.
Why borrowers choose this
No SSN required
Lenders verify you with your ITIN, tax history and work history.
Fully bilingual team
Every call, text and document explained in your language.
Build real equity
Stop paying rent and start owning in Florida or Texas.
Who this is for
- Taxpayers with an ITIN
- Steady income for 2 years
- Buying a primary home in FL or TX
Documents you'll need
- ITIN letter from the IRS
- 2 years of tax returns filed with your ITIN
- Bank statements
- Passport or consular ID
Frequently asked questions
Can I really buy without an SSN?
Yes. Some lenders offer loans for ITIN holders. We shop them for you.
Do I need U.S. credit?
It helps, but some lenders can use alternative credit like rent and utility history.
Is the down payment higher?
ITIN programs usually ask for more down than standard loans. We'll explain your options clearly.
Is my information safe?
Yes. We're a licensed broker and keep your information private.
Meet your broker
Joselin I. Chiu
Broker Owner · NMLS #2598846
Joselin I. Chiu has 20+ years in real estate financing. She founded Lumos Mortgage Group in Miami to give every borrower private-client guidance — in English or Spanish.
Get QualifiedVerified reviews
4.99 across 215 reviews.
Aggregated live from Experience.com — Google (79), Experience.com (87), Zillow (49). 100% 5-star.
"Excellent work and dedication! We are grateful!"
C
Cindy M.
Google · May 2026
"We are super happy — thanks to Yoster and Joselin for making this dream come true! I could see God's hand all the way through them. God bless you family!"
A
Andres L.
Google · May 2026