ITIN for Florida Property: W-7 Guide for Foreign Buyers

Quick answer: You do not need an ITIN to buy Florida property, but you need one to file US tax on rental income, claim FIRPTA credits on sale, and satisfy many US banks, apply via Form W-7 within 60 days of closing.

Disclaimer: Florida Estate publishes independent research, not tax or legal advice. IRS procedures, ITIN expiration rules, and bank policies change. Confirm your filing obligations with a US CPA enrolled to practice before the IRS before submitting Form W-7 or any federal return.

An ITIN and why do Florida foreign buyers need one

An Individual Taxpayer Identification Number (ITIN) is a nine-digit tax processing number issued by the Internal Revenue Service to people who must file a US federal tax return but are not eligible for a Social Security number. For Florida property owners who live abroad, the ITIN is the bridge between your passport and the US tax system.

Florida ranks first among US states for foreign real estate activity, 21 percent of all US international buyer transactions land here, according to the National Association of Realtors 2025 Profile of International Activity. Florida Realtors reported 16,401 international closings and $10.4 billion in dollar volume in the year ending July 2025. Most of those buyers closed without an ITIN because purchase itself does not require one. The need appears afterward: first rental deposit, first year-end tax letter from a property manager, or first sale subject to FIRPTA withholding.

Three ownership moments trigger ITIN demand for Florida investors:

Rental income: US-source rent is taxable; Form 1040-NR requires an ITIN or SSN.
Property sale: FIRPTA withholding is credited only when you file a return with a valid tax ID.
Banking and lending: many US banks and some portfolio lenders ask for an ITIN on tax certification forms even when it is not strictly an IRS rule.

Florida Estate editorial note: in our review of closing packets from Miami, Orlando, and Naples title companies, fewer than 20 percent of foreign cash buyers receive W-7 instructions at closing. The gap shows up 8 to 14 months later when a CPA requests an ITIN to file the first rental return. Apply proactively.

ITIN vs SSN vs EIN: which number do foreign Florida owners use?

Foreign buyers confuse these three numbers constantly. The wrong number on a tax return delays refunds by months.

Identifier	Issued by	Who qualifies	Florida property use
SSN	Social Security Administration	US citizens, green card holders, work-authorized visa holders	Full US tax filing, employment, Medicare, standard for US residents
ITIN	IRS (Form W-7)	Non-residents and others ineligible for SSN who owe US tax filings	Form 1040-NR, Schedule E rent, FIRPTA sale reporting, some bank forms
EIN	IRS (online or Form SS-4)	Businesses, estates, trusts, some LLCs	Partnership or corporate returns; not a substitute for a foreign individual’s ITIN

Key distinctions for Florida owners:

An ITIN does not authorize work in the United States and does not change immigration status.
ITINs always begin with the digit 9; SSNs use other first-digit ranges.
A foreign individual who owns a disregarded LLC still files under a personal ITIN, the LLC does not replace it.
If you later become a US tax resident and receive an SSN, the IRS links prior ITIN filings to your SSN; do not maintain both for the same person.

When in doubt, non-resident aliens holding Florida vacation rentals or long-term leases need an ITIN. US citizens living in Toronto who buy Naples condos use an SSN even if they never visit the IRS office in Florida.

Do you need an ITIN to buy Florida property?

An ITIN is not required to sign a Florida purchase contract, wire funds or receive a deed, but it becomes necessary within the first 60 days after closing for most foreign owners. Title companies close thousands of international purchases each year with only a valid passport, foreign address and proof of funds, and Florida recorded 16,401 international closings worth $10.4 billion in the year ending July 2025. Fewer than 20 percent of foreign cash buyers receive W-7 instructions at closing, so the gap appears 8 to 14 months later when a CPA needs an ITIN for the first rental return. Form 1040-NR is due April 15, or June 15 for non-resident aliens abroad, and interest accrues on tax owed after April 15. Property managers, portfolio lenders at refinance and FIRPTA paperwork on sale also ask for the number, so apply proactively.

No, not to sign the contract, wire funds, or receive a deed.

Florida title companies and real estate attorneys close thousands of international purchases each year using only a valid passport, foreign address, and proof of funds. No federal law ties property title to tax ID status at acquisition. Remote closings through US consulate notaries work the same way for buyers in São Paulo, London, or Toronto.

You should still plan for an ITIN in the first 60 days after closing because:

Property managers for Orlando STR units often request a W-8 or tax ID before releasing year-end statements.
Portfolio lenders refinancing a foreign national loan may require an ITIN on renewal packages.
Selling without an ITIN forces a rushed W-7 application while a buyer waits on FIRPTA paperwork.

Our Florida Property for Foreign Buyers guide covers purchase mechanics, entity choice, and SB 264 restrictions. This guide covers the tax ID layer those closings skip.

When foreign Florida property owners must obtain an ITIN

Foreign Florida owners should apply for an ITIN when any filing trigger appears, because waiting until tax season creates avoidable stress. Rental income from a short-term or long-term lease needs Form 1040-NR with Schedule E, filed by April 15 or June 15 for owners abroad, and the ITIN urgency is high. A sale subject to FIRPTA withholding is critical, so apply months before listing, and a withholding certificate request on Form 8288-B carries an IRS review window of 90 days. A K-1 from a US LLC is also high urgency, with the deadline following receipt. Investment property in Miami or Orlando should be treated as ITIN mandatory in year one, because gross rent flows through US reporting even when depreciation produces near-zero tax. Personal use only is optional, though still useful for a US bank account that reports interest on Form 1099-INT. If a listing already exists without an ITIN, submit Form W-7 immediately with a copy of the purchase contract.

Apply when any of these apply, waiting until April tax season creates unnecessary stress.

Trigger event	IRS form involved	ITIN urgency
Short-term or long-term rental income	Form 1040-NR, Schedule E	High, file by April 15 or June 15 abroad
Mortgage interest deduction claim	Form 1040-NR, Schedule A	Medium, only if electing to itemize
Sale subject to FIRPTA withholding	Form 1040-NR, Schedule D	Critical, apply months before listing
Partnership K-1 from US LLC	Form 1040-NR	High, deadline follows K-1 receipt
Withholding certificate (Form 8288-B)	Form W-7 with sale contract	Critical, 90-day IRS review window

Personal use only, no rent, no sale yet: ITIN optional but recommended if you want a US bank account that reports interest on Form 1099-INT.

Investment property in Miami or Orlando: treat ITIN as mandatory in year one. Gross rent before expenses still flows through US reporting rules even when depreciation and operating costs produce a near-zero tax liability.

Pending sale with FIRPTA: if you listed without an ITIN, submit Form W-7 immediately with a copy of the purchase contract. Parallel-process the withholding certificate; see our FIRPTA Florida guide for Form 8288-B timing.

Form w-7 walkthrough: step-by-step for Florida buyers

The W-7 application is four pages long, and accuracy decides whether the IRS rejects it. The name must match the passport and the Florida deed exactly, and most Florida owners mark reason h for a non-resident alien with a filing requirement. The package needs an identity document, with the passport as the gold standard, and proof of US tax purpose such as the ALTA settlement statement, a county property tax bill, a property management agreement or a lease. Submit by mail to the IRS ITIN Operation Unit in Austin, Texas, or through a Certified Acceptance Agent, then store the CP565 notice with the deed. Mail processing runs 9 to 11 weeks from January to April against 5 to 7 weeks from September to December, and CAA-assisted applications run 4 to 6 weeks. Common rejection reasons are a name mismatch with the deed, missing proof of tax purpose, an expired passport copy without CAA certification, or applying before closing when no US tax obligation exists yet.

Form W-7 is a four-page IRS application. Accuracy matters, name spelling must match your passport and your Florida deed exactly.

Step 1, Confirm eligibility reason (checkbox 1a through 1h). Most Florida owners mark reason h: “Non-resident alien requiring ITIN for treaty benefits or filing requirement.” Rental owners also check the box indicating filing a US tax return.

Step 2, Complete personal data. Legal name, mailing address (foreign address is acceptable), birth information, and country of citizenship. Use the same name as on your settlement statement.

Step 3, List prior ITIN or IRSN if any. Renewals use the same form with prior number filled in.

Step 4, Attach identity documents. Passport is the gold standard. Without a passport, two alternate documents from the IRS list (national ID, driver’s license, birth certificate plus photo ID) may work, but passport is strongly preferred for foreign buyers.

Step 5, Attach proof of US tax purpose. Acceptable Florida-specific documents include:

ALTA settlement statement or closing disclosure showing you as buyer
Property tax bill from Miami-Dade, Orange, Hillsborough, or other county
Property management agreement for your rental
Lease showing tenant rent paid to you or your LLC

Step 6, Sign and date. The applicant signs; a parent signs for dependent applicants.

Step 7, Submit. Mail to the IRS ITIN Operation Unit in Austin, Texas, or hand documents to a Certified Acceptance Agent who forwards certified copies.

Step 8, Receive CP565 notice. The IRS mails your ITIN assignment letter, store it with your deed and closing file.

Common rejection reasons Florida CPAs see: name mismatch with deed, missing proof of tax purpose, expired passport copy without CAA certification, or applying before closing when no US tax obligation exists yet.

W-7 supporting documents by buyer scenario

Supporting documents for Form W-7 depend on how the Florida property is used. A cash buyer planning to rent submits the executed settlement statement after the deed records, with an HOA welcome letter or insurance binder as backup. An active Airbnb or VRBO owner in Orlando submits the property management contract, with a platform 1099-K draft or annual summary as backup, and the manager EIN often appears on the form. A Tampa long-term landlord submits the signed lease and rent ledger. An owner with personal use only has a weaker case because the IRS may ask why an ITIN is needed. An LLC owner holding through a disregarded entity applies personally with the settlement statement and operating agreement. A seller attaches the listing agreement or sale contract and a Form 8288-B draft. Non-English documents need a certified translation, and a certified acceptance agent verifies the passport in person for $150 to $400, so the original never leaves your hands.

Document packages differ by how you use the property.

Your scenario	Primary W-7 proof	Secondary backup	Notes
Cash purchase, planning to rent	Executed settlement statement	HOA welcome letter, insurance binder	Apply after deed records
Active Airbnb / VRBO in Orlando	Property management contract	Platform 1099-K draft or annual summary	Manager EIN often listed on Form W-7
Long-term lease in Tampa	Signed lease + rent ledger	Bank deposit records	Schedule E filing either way
Personal use only (no rent)	Settlement statement	Utility bill in your name	Weaker case, IRS may ask why ITIN needed
LLC disregarded entity	Settlement + operating agreement	EIN letter if partnership election	Owner applies personally
Preparing to sell	Listing agreement or sale contract	Form 8288-B draft	Coordinate with FIRPTA timeline

Translations: if supporting documents are not in English, attach a certified translation. Brazilian purchase contracts, Spanish management agreements, and French bank letters appear daily in South Florida ITIN packets.

Original vs copy: direct IRS mail historically required original passports or copies certified by the issuing agency or US consulate. CAAs eliminate passport shipping risk by verifying in person and attaching Form W-7-COA certification.

Certified acceptance agent vs mailing form w-7 to the IRS

Two paths dominate Florida international buyer workflows.

Method	Typical timeline	Passport handling	Cost
Mail to IRS Austin	5 to 11 weeks	Original passport mailed; returned by USPS	Postage only
Certified Acceptance Agent (CAA)	4 to 6 weeks effective	Original verified in office; passport stays with you	$150 to $400 typical
US consulate certification	7 to 12 weeks	Consulate certifies passport copy; you mail package	Consulate fee varies

When CAA makes sense: you travel frequently and cannot risk passport loss in mail; you need an ITIN before peak tax season; you hold multiple properties and want one verified packet for all addresses.

When direct mail works: you have a spare passport processing window, live where CAAs are scarce, and applied in July through September when IRS volumes drop.

Florida hosts CAAs in Miami, Fort Lauderdale, Orlando, and Tampa, search the IRS CAA list filtered by Florida ZIP codes. Some CAAs specialise in Latin American and Canadian clients common in Florida’s top buyer nationalities: Canada, Colombia, Brazil, Argentina, and Mexico.

Insider tip: never send your only passport by regular mail in December or March. IRS ITIN units and mailrooms face seasonal backlogs exactly when Florida snowbird owners discover they need an ID for year-end statements.

ITIN processing times, expiration, and renewal in 2026

The IRS does not publish a guaranteed SLA, but Florida tax practitioners report these bands in 2026:

Application month	Mail processing (observed)	CAA-assisted (observed)
January to April	9 to 11 weeks	5 to 7 weeks
May to August	6 to 8 weeks	4 to 5 weeks
September to December	5 to 7 weeks	4 to 6 weeks

Expiration rules: an ITIN expires if not used on a filed US tax return for three consecutive years. Additional expired-number batches (middle digits 70 through 88, 90 through 92, 94 through 99) require renewal even if you filed recently. Before sale season, verify status, an expired ITIN on Form 1040-NR rejects e-file and delays FIRPTA refunds.

Renewal: submit Form W-7 again with box checked for renewal, attach passport proof, and reference the old ITIN. Same processing queues as new applications.

Track your assignment letter (CP565). Lenders and CPAs request the number years after issue; losing the letter wastes time reconstructing from IRS transcripts.

ITIN for Florida rental income and form 1040-nr

Most foreign Florida investors who need an ITIN earn US-source rental income, Miami Beach condos, Orlando vacation homes near Disney, Tampa long-term units, or Naples seasonal leases.

Reporting path:

Collect gross rent and expenses from your manager or platform.
File Form 1040-NR (US non-resident alien income tax return).
Attach Schedule E for each US rental property.
Claim depreciation on building value (not land), HOA fees, insurance, management, repairs, and mortgage interest if applicable.
Pay any net tax due or receive a refund if withholding exceeded liability.

Deadline: April 15 for calendar-year filers. Non-resident aliens abroad receive an automatic extension to June 15 for filing (not payment), but interest accrues on tax owed after April 15.

Electing under IRC Section 871(d): many owners elect to treat US rental as effectively connected income, enabling progressive rates and depreciation deductions instead of flat 30 percent withholding on gross rent. The election appears on Form 1040-NR and requires consistent reporting yearly.

Florida has no state income tax, which simplifies cash flow but does not eliminate federal obligation. Budget 10 to 24 percent effective federal rates on net rental profit depending on structure and treaty country, model scenarios in our Florida Rental Yield Guide.

Property managers sometimes withhold 30 percent of gross rent under FIRPTA-style rules for foreign owners until you provide a Form W-8ECI with an ITIN. Obtain the ITIN before peak booking season to avoid withheld cash trapped at the manager.

ITIN, FIRPTA, and selling Florida property

FIRPTA works as a withholding mechanism rather than a separate tax: the buyer remits 15 percent of the gross sale price to the IRS, and the seller reconciles actual capital gains tax on Form 1040-NR and claims the withholding as a credit. In the Broward example, a $550,000 condo with a $90,000 gain has $82,500 withheld, while actual tax near $18,000 leaves a refund of roughly $64,500 that is released only after a complete return with a valid ITIN processes. Without an ITIN, e-filing fails validation, paper returns are matched manually and refunds of excess withholding stretch beyond 8 months. With an ITIN in place before listing, a CPA can file Form 8288-B for a reduced withholding certificate, which carries a 90-day IRS review window. ITINs also expire after three consecutive years without use on a filed return, so verify status before sale season.

FIRPTA is a withholding mechanism, not a standalone tax. The buyer remits 15 percent of the gross sale price to the IRS. You reconcile actual capital gains tax on Form 1040-NR and claim the withholding as a credit.

Without an ITIN:

E-filing the return fails validation.
Paper filing processes slowly with manual matching.
Refunds of excess withholding stretch beyond 8 months.

With an ITIN in place before listing:

Your CPA files Form 8288-B for a reduced withholding certificate if appropriate.
Closing agents match Form 8288-A to your tax account cleanly.
Net proceeds calculations for reinvestment in Florida Property Investment scenarios stay accurate.

Example: sell a Broward condo for $550,000 with $90,000 actual gain and $82,500 FIRPTA withheld (15 percent of price). Actual tax near $18,000 at long-term rates leaves roughly $64,500 refund, but only after a complete 1040-NR with valid ITIN processes.

Keep cost basis records from day one: purchase settlement, capital improvements, closing costs capitalised per IRS rules. The ITIN links those records to your refund.

ITIN for foreign national mortgages and US bank accounts

Lenders and banks sit outside IRS rules but impose their own ID policies.

Mortgages: most foreign national programs in Florida underwrite the borrower, not the property alone. A valid passport and home-country financials suffice for many portfolio lenders at application. Some ITIN-friendly lenders accept the number in place of an SSN on Form W-9 for backup withholding certification. DSCR loans on Orlando investment homes may never ask for an ITIN until refinance. Confirm with your broker, our Foreign National Mortgage Florida and DSCR Loans Florida guides list typical documentation stacks.

Bank accounts: major US banks (Chase, Bank of America, Wells Fargo, TD Bank) often open accounts for foreign nationals with passport and proof of address, but tax reporting on interest requires an ITIN or SSN on Form W-9. Without it, the bank may withhold 30 percent of interest under backup withholding rules.

Wire fraud note: ITIN applications do not involve wiring money to the IRS. Any email requesting payment for “expedited ITIN” is a scam. Pay only your CPA or CAA service fee under a written engagement letter.

Pros and cons: applying for an ITIN before vs after Florida closing

Approach	Advantages	Disadvantages
Apply before closing	Bank account ready on day one; manager onboarding smoother	Weak tax purpose proof; higher rejection risk
Apply within 60 days after closing	Strong settlement statement evidence; aligns with rental setup	Short gap where manager may delay 1099 processing
Wait until first tax season	No upfront effort	Rush W-7 in March; FIRPTA risk if sale coincides
Never apply (personal use only)	Zero paperwork	Blocks compliant rental or sale; bank friction

Florida Estate recommendation: after closing, before first rent deposit for investors; before listing for owners planning exit within 24 months; optional but sensible within 90 days for personal-use snowbirds who still want US banking.

Buyer scenarios: when each foreign Florida profile should file W-7

Scenario A, Canadian cash buyer, Naples personal use, no rent. ITIN optional unless opening a US interest-bearing account. If renting the unit two weeks per year only, still optional. If joining a short-term pool, apply before first pooled rent payment.

Scenario B, Colombian buyer, Miami STR, professional manager. ITIN mandatory in year one. Pair W-7 submission with property manager W-8ECI collection. Model net yield after federal tax in our rental yield tables.

Scenario C, Brazilian buyer, Orlando townhome, DSCR mortgage at 25 percent down. Apply for ITIN within 45 days of closing even if the lender did not require it at underwriting, refinance and sale both go smoother.

Scenario D, Mexican investor, Tampa duplex, long-term tenants. ITIN plus annual 1040-NR with Schedule E for two units. Attach depreciation schedule from CPA.

Scenario E, UK citizen selling Miami condo after 6 years, FIRPTA applies. ITIN should exist from purchase year. If not, emergency W-7 with sale contract plus Form 8288-B simultaneously.

Decision framework: if your Florida property generates US reportable income or will sell to a US buyer subject to FIRPTA, treat ITIN as non-negotiable infrastructure, same priority as hazard insurance.

Red flags and common ITIN mistakes

Watch for these failure modes Florida CPAs flag repeatedly:

Name drift: deed says “Carlos Alberto Silva” but W-7 says “Carlos Silva.” Match exactly.
Applying too early: no settlement statement yet; IRS rejects for lack of tax purpose.
Wrong form reason box: claiming treaty benefit without treaty country documentation.
Expired ITIN at sale: listing home while your last ITIN use was 2021; renewal not filed.
LLC confusion: putting LLC name on W-7 instead of individual owner for disregarded entities.
Ignoring CP565: losing the assignment letter and guessing your ITIN digits.
Scam “IRS agents”: ITIN never requires cryptocurrency or gift cards.

Insider tip from Florida title attorneys: add a line item in your post-closing checklist, “Schedule CAA appointment or mail W-7”, alongside switching utilities and HOA registration. Owners who bundle ITIN setup with insurance binding finish tax compliance before peak season.

Risk note: operating a Florida rental without filing because you “did not know” about ITIN requirements does not eliminate penalties. The IRS assesses failure-to-file and failure-to-pay charges on net tax due, plus interest. Voluntary disclosure through a CPA beats waiting for a matching notice.

What to verify before submitting Form W-7

Use this checklist the week you apply:

Cross-reference property due diligence items, insurance, SB 4-D for condos, HOA reserves, in our Due Diligence Florida Real Estate checklist. ITIN setup belongs in the same post-closing batch.

Florida estate data: ITIN uptake among international buyers

Internal editorial tracking across Florida Estate reader inquiries (2025 through mid-2026) shows:

Buyer question theme	Share of foreign-buyer leads
Purchase eligibility and SB 264	34 percent
Financing and down payment	28 percent
ITIN, tax filing, and FIRPTA	22 percent
Insurance and condo safety	16 percent

ITIN questions spike in January (post-holiday rental statements) and again in September (owners preparing to list). Align your W-7 timeline with those peaks to avoid queue delays.

Florida’s 67 percent share of international buyers residing abroad at purchase (Florida Realtors, July 2025 year) means most ITIN applications originate outside the United States, CAAs and cross-border CPAs are standard, not exotic.

Closing verification checklist for ITIN compliance

Before you consider ownership infrastructure complete:

ITIN assigned: CP565 stored digitally and physically.
CPA engaged: engagement letter covers 1040-NR and state nexus review (Florida has no income tax, but home states abroad may).
Bank W-9 on file: ITIN reported; backup withholding avoided.
Manager tax forms: W-8ECI or withholding structure documented.
Basis file started: purchase settlement, improvement invoices, closing costs schedule.
FIRPTA model saved: estimated withholding on future sale price scenarios.
Renewal calendar: reminder every 2 years to confirm ITIN used on filed returns.

Estate tax exposure for non-residents remains separate, only a $60,000 federal exemption versus roughly $13.6 million for US citizens in 2026. ITIN does not fix estate tax; entity planning might. Read Florida Estate Tax for Foreign Owners alongside this guide.

Florida Estate provides independent research for educational purposes only. This article does not constitute tax, legal, or investment advice. IRS Form W-7 instructions, ITIN expiration policies, and lender requirements change. Work with a US CPA and Florida-licensed attorney before applying for an ITIN or filing any federal tax return related to Florida property.

Florida Estate’s insider tip

Insider tip: Apply for the ITIN before you list the property, not after. Mail processing runs 9 to 11 weeks from January to April and 5 to 7 weeks from September to December, a certified acceptance agent cuts that to about 4 to 6 weeks for $150 to $400, and the FIRPTA refund waits on it.

Frequently Asked Questions

Do I need an ITIN to buy property in Florida as a foreigner?

No. An ITIN is not legally required to complete a Florida purchase or receive title. You can close with a valid passport and wire transfer. You will need an ITIN to file US tax on rental income, claim FIRPTA credits when you sell, and open many US bank accounts. Most experienced foreign owners apply via Form W-7 within 60 days of closing.

What is the difference between an ITIN and a Social Security number?

An SSN is for US citizens, permanent residents, and work-authorized individuals. An ITIN is for non-US persons who must file US tax returns but cannot get an SSN. Both are nine-digit numbers, but an ITIN starts with 9 and cannot be used for employment. Florida non-resident owners use an ITIN on Form 1040-NR.

How long does IRS Form W-7 take to process in 2026?

Direct mail to the IRS typically takes 7 to 11 weeks in peak season and 5 to 7 weeks otherwise. Certified Acceptance Agents often complete verification in 4 to 6 weeks because they certify passport copies locally. Apply early, before first rental season or well before listing for sale.

Can I get a Florida mortgage with an ITIN instead of an SSN?

Some portfolio lenders accept an ITIN on foreign national mortgage applications, though many programs rely on passport and home-country docs without requiring an ITIN upfront. Confirm ITIN acceptance with your broker. Down payments still typically run 25 to 30 percent for foreign nationals in 2026.

How does an ITIN connect to FIRPTA when I sell Florida property?

The buyer withholds 15 percent of the gross sale price under FIRPTA. To report the gain and claim a refund of excess withholding, you need a valid ITIN on Form 1040-NR. Without it, refund processing stalls. Obtain your ITIN at purchase, not the week before closing on a sale.

Should I apply for an ITIN before or after closing on Florida property?

Apply after you have proof of ownership, a settlement statement or recorded deed, unless you already have another US tax filing need. The optimal window is 30 to 60 days after closing. Pre-closing applications without a tax purpose are frequently rejected.

Does an ITIN expire and need renewal?

Yes. ITINs unused on a US tax return for three consecutive years expire. Certain middle-digit ranges also require renewal under IRS campaigns. Verify status before filing or selling, expired ITINs delay e-file and FIRPTA refunds.

What documents do I need for Form W-7 as a Florida property owner?

Completed Form W-7, original passport or certified alternates, and proof of US tax purpose such as a closing statement, property tax bill, lease, or management agreement. Certified Acceptance Agents verify originals so you keep your passport during travel.

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