You Earned This Equity.
Here’s How to Access It Without an SSN.
ITIN holders in Florida can do a cash-out refinance — legally, confidently, and without a Social Security number. This checklist shows you exactly what ITIN mortgage lenders need so you walk into your consultation fully prepared.
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Instant access · No SSN required · One-page PDF
What’s Inside the ITIN Checklist
Most lenders either don’t serve ITIN borrowers at all — or they hand you a generic list that creates more questions than answers. This checklist is organized specifically for the ITIN refinance process, section by section.
Important: Owning property and refinancing as an ITIN holder is 100% legal in Florida. This checklist is for informational purposes and does not constitute legal or immigration advice. For immigration-related questions, consult a qualified immigration attorney.
🪪 Identity Documents
- Valid foreign passport
- Matricula Consular or country-of-origin government ID
- IRS CP565 ITIN confirmation letter
📄 Tax & Income Docs
- 2 years of ITIN tax returns (Form 1040)
- W-2s or 1099s if applicable
- 12–24 months personal bank statements
- CPA or employment letter if self-employed
🏡 Property Documents
- Current mortgage statement
- Homeowner’s insurance dec page
- Most recent property tax bill
- HOA statement (if applicable)
No US Credit History? Here’s What Some Lenders Accept Instead.
Not all ITIN borrowers have a long US credit file — and that doesn’t automatically disqualify you. Some ITIN lenders accept alternative credit references in place of a traditional credit report:
- 12 months of utility payment records (electric, water, gas)
- 12 months of rental payment records
- Bank reference letter from your home-country bank
- Credit card statements showing consistent payment history
Ask Stacy which lenders are most favorable for your documentation profile and country of origin. The answer varies — and it matters.
Your ITIN Got You This Far. Your Equity Can Take You Further.
Free, confidential consultation with a Florida ITIN mortgage specialist. No SSN needed to start.
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