ITIN Loans Blissful Mortgage Broker lender, Mortgage broker, Mortgage loans, home loans.

ITIN Loans DIRECT FLORIDA and ALABAMA APPROVED Mortgage Broker/Lender Specialist-Blissful Mortgage llc


Blissful Mortgage makes ITIN Mortgage Loans Simple when looking for a ITIN loans Florida or ITIN Loans Alabama, using our streamlined process, less docs and fast approvals we get you into your home faster

What is an ITIN Loan?

ITIN loans are designed for borrowers who do not have a social security number, but can provide an ITIN number as an alternative form of identification. You can expect a down payment of 10% and will need a 2 year work history.

Apply for a ITIN Mortgage Loan Without a Social Security Number in FLORIDA and ALABAMA

When you apply for an ITIN home loan, you do not need to provide us with a social security number. Instead, just let us know your Individual Tax Identification Number (ITIN). You can document this with your ITIN Card. To apply and learn more click ITIN NUMBER.

Qualifying for an ITIN Mortgage in FLORIDA and ALABAMA

  • Minimum credit tradelines: 2 Years of credit with 2 accounts or 1 Year of credit with 3 account history.
  • You may qualify with most recent pay stubs and last years W2 or 2 Years most recent tax returns if self employed. 
  • You can generally expect a higher down payment requirement for an ITIN loan than a conventional mortgage. 
  • As with other types of mortgages, you need to document two years of employment in a consistent capacity on a solid career track.
  • Documentation of income is required. Bank statement ITIN loans are available to those who cannot prove income with traditional pay stubs.
  • As with any type of home loan, a high credit score and low debt-to-income (DTI) ratio will qualify you for the most competitive rates and terms.

Benefits of ITIN Loans in Florida and Alabama

  • With an ITIN home loan, no social security number is necessary to qualify for a mortgage.
  • Min credit score 620.
  • You do have to document your residency.
  • No Social Security number required.
  • The rates are better than hard money loans
  • It enables you to own a home in this country without documentation
  • Gift funds may be allowed to help with your down payment


What types of properties qualify for an ITIN loan?

Typically the following property types are accepted as long as you occupy them as your primary residence.

  • Single family homes
  • Warranted Condos
  • Townhomes
  • Multiwide Manufactured

If you are buying a rental property, we likely will have a lender who can help finance those properties as well.


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