Home financing in Miami.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is based inside the Miami line. We do not hide that — below are the doors that serve it from the rest of Florida.
Not this lane? Business FinancingPersonal Financing
The doors in Miami.
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.
- Ascendus Inc.SBA microlenderCommunity lending · Business capital
- Black Business Investment Fund, Inc.SBA microlenderCommunity lending · Business capital
- Solitas House, Inc.Community lending · Business capital
- Community Enterprise Investments, Inc.Business capital
- Partners for Self-Employment, Inc. Working Capital FloridaBusiness capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
3 of the 8 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
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.
Miami is one of the most expensive housing markets in Florida, but there are real pathways to ownership that most banks won't tell you about. Whether you are buying your first home, refinancing a rental, or starting without a Social Security number, local lenders and community programs exist specifically for you. This guide cuts through the noise and points you to the doors that are actually open. Origen Capital is a directory — we connect you to resources, we do not lend money or collect your information.
It's a process, not a rejection.
Getting turned down by a bank does not mean you cannot buy a home in Miami. It usually means you walked into the wrong door first. Miami-Dade has a large community of working people — contractors, vendors, gig workers, recent immigrants — who do not fit neatly into a conventional bank's checklist. That checklist was not built for you.
What you need is a lender or program that was.
Community Development Financial Institutions (CDFIs), credit unions, and ITIN mortgage lenders all work with income that comes from cash, contracts, or foreign sources. The process takes more paperwork and more patience, but it ends at the same place: a deed in your name.
Forget what the banks say.
Big banks in Miami follow federal underwriting guidelines almost without exception. That means W-2 income, a U.S. credit history going back years, a debt-to-income ratio under 43 percent, and a Social Security number. If you do not have all four, they say no. What they do not tell you is that those rules are their rules, not the law.
ITIN mortgages are legal and available in Florida.
Bank statement loans exist for self-employed borrowers who cannot show a clean tax return. Credit unions chartered in Florida have more flexibility on thin credit files. Miami-based CDFIs work with first-time buyers who have income but not history. The banks are not lying to you — they are just describing their own narrow product. There are other products.
Five things. Get them in order.
Before you call any lender, get these five things lined up.
- 01Two years of bank statements
Personal or business, any bank, any country. This is your income proof when pay stubs do not exist.
- 02ITIN or SSN
If you have an ITIN, you already qualify for certain mortgage programs in Florida. If you do not have one yet, apply at an IRS Acceptance Agent — many are located in Miami and can help in Spanish.
- 03Proof of address for the last 24 months
Leases, utility bills, anything showing you live where you say you live.
- 04Down payment
In Miami, most ITIN and community lenders ask for 10 to 20 percent down. Some assistance programs can cover part of this.
- 05Realistic number
Know what homes cost in the neighborhood you are targeting before you talk to anyone. Miami-Dade prices vary enormously from Hialeah to Coral Gables.
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Four doors worth knowing.
These are local and regional institutions that serve Miami-Dade buyers, including ITIN holders and self-employed borrowers.
A Miami-based CDFI and financial coaching organization that connects low- to moderate-income residents with homeownership programs, down payment assistance, and ITIN-friendly mortgage referrals across Miami-Dade County.
BEST FORFirst-time buyers, ITIN holders, income coachingA statewide CDFI headquartered in Orlando that actively lends in Miami-Dade for affordable housing projects and works with community developers and small investors who cannot access conventional bank financing.
BEST FORSmall investors, affordable housing developmentA Florida-chartered credit union serving Miami-Dade and Broward with mortgage products that include options for borrowers with thin credit files and more flexible income documentation than most banks require.
BEST FORThin credit, local credit union alternativeThe Small Business Administration's South Florida district office does not issue home loans, but it connects self-employed Miami residents and small investors to SBA-backed lenders who understand mixed-use and investment property financing.
BEST FORSelf-employed buyers, mixed-use propertiesDon't fall into these traps.
Miami has a large population of buyers who have been turned away by banks, and that creates an opening for bad actors. These are the three traps that show up most often in Miami-Dade. If a deal feels rushed, the fees are vague, or someone asks for cash before you sign anything official — stop and call a HUD-approved housing counselor. Florida has free HUD counselors available by phone and in person, including Spanish speakers.
Some Miami sellers offer rent-to-own contracts that look like mortgages but give you no legal ownership and no recourse if the seller defaults or sells the property out from under you.
Unlicensed or loosely licensed mortgage brokers in Miami sometimes charge upfront fees of one to three thousand dollars before you have a loan approval, then disappear or blame the lender when the deal falls apart.
In fast-moving Miami neighborhoods, some sellers and their agents push buyers toward affiliated appraisers who overvalue the property, leaving you paying above market and underwater from day one.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN MIAMI →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN MIAMI →62FL COUNTIES WITH DOORSThe whole stateEvery county in Florida, in this same lane.109 institutions fund home financing inside Florida county lines.OPEN THE STATE →
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Ask Iris. She'll explain it the way it should have been explained the first time.