Foreign National Loans in South Florida
Financing for non-US citizens, visa holders, international investors, and non-permanent resident aliens looking to purchase investment properties or second homes in Florida. Loan amounts and requirements vary by lender — we work with multiple wholesale banks to find the right program for your situation.
Who Can Apply for a Foreign National Loan
Foreign national loans are designed for international buyers and investors who do not hold US citizenship or permanent residency but wish to purchase property in the United States.
Non-US Citizens
Foreign nationals who are not US citizens or permanent residents looking to purchase investment properties or second homes in Florida.
Visa Holders
Individuals holding valid US visas including B-1, B-2, H-2, H-3, J-1, J-2, O-2, P-1, P-2 or those from visa waiver countries may be eligible depending on the lender program.
International Investors
Foreign investors and buyers purchasing investment properties, rental properties, or second homes in the United States who do not have a US credit history.
Non-Permanent Resident Aliens
Individuals legally present in the US on a temporary basis who do not hold permanent residency or a green card but wish to purchase US real estate.
ITIN Borrowers
Borrowers without a US Social Security number can use an Individual Taxpayer Identification Number (ITIN) to apply for financing through select lender programs.
Second Home Buyers
International buyers purchasing a vacation home or second home in South Florida — one of the most popular destinations for international real estate investment.
Most Common Foreign National Loan Requirements
Requirements vary by lender and loan program. Below are the most common requirements across the programs we work with. Call us to discuss your specific situation.
Valid Passport
A valid passport is required to establish identity and citizenship. Some programs also require proof of legal US entry such as a valid visa or visa waiver documentation.
Down Payment — Typically 25–30%
Most foreign national programs require a down payment of 25% to 40% of the purchase price. A larger down payment often results in better rates and terms.
No US Credit Score Required
US credit history is not required. Lenders may accept international credit reports, bank reference letters, or qualify the loan based on property cash flow (DSCR).
Bank Statements
Most programs require 2–3 months of bank statements showing sufficient funds for the down payment, closing costs, and reserves. Funds are typically required to be seasoned 30–60 days.
12 Months Cash Reserves
Many programs require liquid reserves equal to 12 months of mortgage payments held in a verifiable bank account after closing.
ITIN — No SSN Required
An Individual Taxpayer Identification Number (ITIN) is accepted by many lenders in place of a Social Security number for foreign national loan applications.
Proof of Income or DSCR
Income can be documented using foreign bank statements, employment letters, or international income documentation. DSCR programs qualify based on rental income alone — no personal income docs needed.
US Bank Account Recommended
Most lenders require mortgage payments to be made via ACH from a US bank account. Opening a US bank account before applying is strongly recommended.
Properties We Can Finance for Foreign Nationals
Through our network of wholesale lenders we have access to programs covering a wide range of property types for international buyers.
Single Family Rentals
Single family investment properties and rental homes throughout South Florida and Florida.
Multi-Family
Duplex, triplex, fourplex and larger multi-family investment properties for international investors.
Second Homes & Vacation Properties
Holiday homes, vacation properties, and second homes in Florida for international buyers.
Commercial Properties
Commercial real estate investments including retail, office, warehouse and mixed-use properties.
Condos & Townhomes
FHA-approved condos and townhomes for international investors and second home buyers in Florida.
Short-Term Rentals
Airbnb and vacation rental properties qualified using DSCR — no personal income documentation required.
From application to closing
We guide international buyers through the entire US mortgage process — from finding the right program to closing.
Call or Apply
Contact us to discuss your situation. We review your visa status, nationality, and property goals to identify available programs.
Document Collection
We guide you through the required documentation — passport, bank statements, income proof, and any additional lender requirements.
Lender Matching
We shop our network of wholesale lenders to find the program that best fits your nationality, property type, and financial profile.
Close on Your Property
We guide you through closing — which can often be completed at a US embassy or via power of attorney if you are abroad.
Foreign National Loan FAQs
Answers to the questions we hear most often from international buyers and investors.
Ready to Invest in South Florida Real Estate?
Call us or apply online — we respond same day, usually within the hour.
We will find the right program for your nationality and investment goals.