# ITIN Mortgages in Florida AAA Capital Funding, Inc. is an independent mortgage brokerage in Fort Lauderdale, Florida, established 1997. Licensed in Florida only, lending in all 67 Florida counties. Company NMLS 374739. Jason J. Sarji, President and Owner, NMLS 374700. Home financing for borrowers who file taxes with an ITIN rather than a Social Security number. ## Can I buy a home with an ITIN? Yes. There are mortgage programs written specifically for borrowers who file with an Individual Taxpayer Identification Number. ## Do I need a Social Security number? Not for these programs. An ITIN and a documented tax filing history are the foundation instead. ## What do I need to qualify? Generally a valid ITIN, a filing history, verifiable income, a down payment, and documented credit, which can sometimes be established through non-traditional sources like rent, utilities, and insurance payments rather than a traditional credit report. ## How much down payment is required? More than an FHA loan requires, and the exact amount depends on the program and the file. It is a real, closeable product, and the specific number is worth getting before you decide it's out of reach. ## Will a big bank do this? Most retail banks don't offer ITIN mortgages at all, which is why so many ITIN borrowers are told no and conclude that buying isn't possible. It's a product availability problem, not an eligibility problem. ## Is my information safe? This is a normal mortgage application handled under the same privacy and regulatory rules as any other. If you have concerns about the process, ask them directly on the phone before you send a single document. ## What if an online lender already told me no? Automated underwriting reads a file one way. A human underwriter reads it another. A bank quotes from its own rate sheet and applies its own overlays, so when a file doesn't fit that one set of rules the answer is no and there's nowhere else for it to go. As a broker we send the file to multiple wholesale lenders and place it with the one whose guidelines actually fit it. An automated decline isn't always the end of the road. ## Related pages - Non-conventional options: https://aaacapitalfunding.com/mortgage-loan-programs/nonconventional-mortgages/ - Bank statement loans: https://aaacapitalfunding.com/mortgage-loan-programs/bank-statement-loans/ - Qualifying for a loan: https://aaacapitalfunding.com/learn/qualifying-for-a-loan/ ## How do I find out where I stand? One phone call, usually under ten minutes. No application, no credit pull, and you don't need to send anything to find out. - Toll-free: 888-601-8344 - Fort Lauderdale office: 954-390-7994 - Call or text Jason directly: 954-816-8820 (this is the only line that receives texts) The person who answers the phone is the same person who handles the file through closing. No handoffs, and nobody new to bring up to speed. ## About this firm - AAA Capital Funding, Inc., established 1997 - Jason J. Sarji, President and Owner - Company NMLS 374739, Jason J. Sarji NMLS 374700 - 3000 N Federal Hwy, Suite 7, Fort Lauderdale, Florida 33306 - Google rating 4.9 from 148 reviews - BBB A+ accredited - Regulated by the Florida Office of Financial Regulation - Google Business Profile: https://www.google.com/maps?cid=14183017433394490277 All loan applications are subject to credit and property approval. Program terms and conditions are subject to change without notice.