Foreign national / ITIN
Pathways for foreign nationals and ITIN borrowers — explained clearly in English or Spanish, matched as an independent broker, not one bank’s box.
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Call +1-305-731-8601
Independent broker · Wholesale access · English & Spanish · NMLS 1833072 / 1796772 · Equal Housing Opportunity
Who this path is for
Foreign nationals, ITIN filers, and cross-border borrowers whose file does not fit a simple U.S. SSN / W-2 box — and who want the next step explained without rate bravado. Purchase, refinance, or cash-out when wholesale guidelines allow.
Local proof of focus: Miami Brickell is a natural base for Latin America and Caribbean clients buying or refinancing in South Florida. We walk residency, ITIN, and document stories in English or Spanish — case by case, never as a promise of approval.
Who may qualify to talk (not a guarantee)
We cannot promise approval. These are the conversations we start most often:
Non-U.S. citizens purchasing a primary, second home, or investment property where wholesale foreign-national programs may fit.
Borrowers who file with an ITIN and need a path that does not assume a standard SSN / W-2 stack alone.
Income earned abroad or documented differently than a simple U.S. paycheck — we map what papers you can produce.
When you already own in the U.S. and guidelines allow a foreign-national or ITIN refinance conversation.
If your main story is self-employed deposits, investor cash flow, or jumbo size, we may point you to those pathways instead — honesty over forcing this niche.
What we do
- Review how you earn, how you file, residency/ITIN status, and which documents you can produce.
- Match wholesale foreign-national / ITIN programs as a broker — not one bank’s box.
- Walk the process in English or Spanish so the path is clear before you commit time — with no rate bravado and no promise of approval.
How it works
- Tell us your residency / ITIN situation and the property goal (purchase, refinance, or cash-out).
- We shop wholesale programs that can underwrite foreign-national or ITIN files where guidelines allow.
- You get a clear next step — with no commitment to lend until a real approval path exists.
Ready to talk through an international or ITIN file?
What helps this conversation
- Citizenship / residency status · ITIN vs SSN (if any)
- Property goal: purchase vs refinance · primary, second home, or investment
- How income is earned and documented (foreign employer, self-employed, rentals, etc.)
- Down payment / equity source at a high level · timeline
Exact documentation lists depend on the wholesale program. We will tell you what matters for your file — we do not invent “easy” foreign-national rules.
FAQ — Foreign national / ITIN
Do I need a U.S. Social Security number?
Not always. Some wholesale programs can work with an ITIN or foreign-national documentation when guidelines allow. Whether your file fits depends on the program, the property, and the papers you can produce — we do not guarantee an SSN-free path.
Do you lend the money yourselves?
No. Ordeg Capital is a mortgage and commercial lending broker, not a bank or lender. We shop wholesale programs and introduce a fit when one exists.
Can we talk in Spanish?
Yes. We explain foreign-national and ITIN pathways in English or Spanish from our Miami Brickell base.
Purchase only, or refinance too?
Both can be in scope — purchase, refinance, and cash-out when wholesale guidelines allow for foreign-national or ITIN files.
What if I am also self-employed or an investor?
Then we may blend this conversation with bank-statement or DSCR / investor pathways. We will say honestly which story is primary.
Will you quote a rate on this page?
No. Rates and terms depend on the program, the file, and underwriting. We explain process and next steps without rate bravado.
Is this a commitment to lend?
No. Nothing on this page is a commitment to lend. All loans are subject to credit approval and program guidelines.
Ordeg Capital is a mortgage and commercial lending broker, not a bank or lender. NMLS Company ID: 1833072. NMLS Individual ID: 1796772. Equal Housing Opportunity. This is not a commitment to lend. All loans subject to credit approval and program guidelines. Information is for general purposes and may change without notice. Authorized NAP: 1200 Brickell Avenue, Suite 350, Miami, FL 33131 · +1-305-731-8601 · info@ordegcapital.com.