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Home financing in Jefferson County.

County-by-county financing guides. No paperwork. No social. No ID.

1 institutions are headquartered inside the Jefferson County line. They are below, by name and by town.

Not this lane? Business FinancingPersonal Financing

In this county1DOORS INSIDE THE COUNTY LINE
THE DIRECTORY

The doors in Jefferson County.

The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.

Headquartered in Jefferson County1
  • Jefferson County Teachers Credit UnionMonticello · Credit union
    Personal
Serving all of Florida5
  • Ascendus Inc.SBA microlenderNew York · CDFI loan fund
    Community lending · Business capital
  • Black Business Investment Fund, Inc.SBA microlenderOrlando · CDFI loan fund
    Community lending · Business capital
  • Solitas House, Inc.Tampa · CDFI loan fund
    Community lending · Business capital
  • Community Enterprise Investments, Inc.Pensacola · SBA microloan intermediary
    Business capital
  • Partners for Self-Employment, Inc. Working Capital FloridaMiami · SBA microloan intermediary
    Business capital
National — works with an ITIN3
  • Mission Asset FundAccepts ITINSan Francisco · National nonprofit lender

    Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.

    Personal
  • Accion Opportunity FundAccepts ITINSan Jose · National nonprofit lender

    Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.

    Business capital
  • Grameen AmericaAccepts ITINNew York · National nonprofit lender

    Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.

    Business capital
IN THIS LIST

3 of the 9 are CDFI-certified.

The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.

NO SOCIAL SECURITY NUMBER

3 of these doors accept an ITIN.

They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.

A modest house in warm evening light
OPEN DOORS IN JEFFERSON COUNTY
THE GUIDE

Jefferson County, Florida is a small, rural county in the Big Bend region — and financing a home here works a little differently than in a big metro. Local credit unions, community development financial institutions (CDFIs), and ITIN-friendly lenders play a bigger role than large national banks. This guide walks you through what home financing looks like in Jefferson County, who qualifies, what paperwork you need, which local organizations can actually help you, and what warning signs to watch for along the way.

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Answered in English and SpanishNo account. No name.3,143 counties · 3,532 institutions