FHA loans in Florida:
ITIN accepted, no SSN
Our fastest growing market. Jacksonville, Orlando and Tampa attract international investors, Hispanic families and first-time buyers. We have programs that others do not. Loans up to $524K.
2026
without SSN
with passport
your credit
Port of entryof sleep.
Florida is our fastest growing market. Jacksonville, Orlando and Tampa attract international investors, Hispanic families and first-time buyers. We have unique programs that others don't have: ITIN accepted, passport-only loans, and we work with your credit profile.
Options foryour situation
There is no single path to homeownership. We have programs for the self-employed, ITIN, limited credit history and more.
FHA Standard
More in demandThe most affordable program on the market. Down payment from 3.5% and accept family gift as part of the down payment. We work with your credit profile.
- Down payment from 3.5%.
- Profile All types of history
- Limit FL $524,225
- MIP 0.55% p.a.
FHA Without Taxes
E&E onlyFor people with formal employment who do not file traditional tax returns. We verify your employment directly with your employer - we only ask for your title and time worked.
- Verification Call to the employer
- Profile We work with you
- Ideal for Employees without formal declaration
- Down payment from 3.5%.
ITIN / TwoRiver
AccessibleDon't have a social security number? With ITIN you can buy a home. We accept alternative credit history - rent, utility, cell phone payments.
- Documents ITIN + alternative history
- Down payment from 3.5%.
- History 12 months of verified rent
- SSN Not required
Non-QM / Alternative Credit
For allFor freelancers, contractors and entrepreneurs who do not qualify through traditional channels. No traditional payroll (W-2), no tax returns - we use bank statements, P&L or investment property flow-through.
- Documents Account statements, P&L, 1099, DSCR
- Profile We evaluate your case
- DTI up to 55%.
- To 2.5M - 1-4 units
Florida grows.
Your familyalso.
Jacksonville - Orlando - Tampa FHA - ITIN - Non-QM
Our fastest-growing market. A dedicated advisor who accompanies you at every step — and who works with you if you need to improve your credit before buying.
- No mandatory SSN
- Solution always, without giving up
- In your language
- We accompany you in everything
Everything you needknow in Florida
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For most Florida counties the 2026 FHA limit is$524,225for a 1-unit property. In high-cost counties in South Florida it may be higher.
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Yes, Florida attracts many international investors. We accept valid passport and proof of income. We evaluate your situation individually to find the right program.
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With FHA the down payment is from3.5%. For foreigners with passport the typical down payment is 30%. We evaluate your profile and present you all the available options.
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We operate inall of Florida: Jacksonville, Orlando and Tampa. We have local advisors in each region.
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We offer FHA, ITIN, passport loans, and options for people without traditional credit history. We accompany you at each step of the process.