International · Florida
ITIN Borrower in Florida
Working in Florida on an ITIN? Buy a primary residence with documented work and rental history — no SSN required.
Common challenges we solve
- No Social Security Number
- Limited or no U.S. credit
- Cash-based or 1099 income history
What you get with Lumos
ITIN-only purchase loans
Alternative credit (rent, utilities, insurance)
Down payment requirements vary by program
What's different in Florida
In Florida, once you own and live in the home you can file for the homestead exemption, and the Save Our Homes cap limits how fast your assessed value can rise each year. Insurance and flood costs are a big part of a Florida payment, so we price them in before you make an offer.
Loan programs that typically fit
Frequently asked
- What documents do you need?
- ITIN letter, 2 years' work history, and proof of income via tax returns or bank statements.
- What credit score?
- We have programs from 620; alternative credit accepted.
Related pages
Get qualified in 60 seconds →Local guide: ITIN Loans in Hialeah, FLLocal guide: ITIN Loans in Homestead, FLITIN Borrower in TexasForeign National Investor in FloridaForeign National Second Home in FloridaMiami, Florida Mortgage BrokerCoral Gables, Florida Mortgage BrokerDoral, Florida Mortgage Broker
