Foreign National Loans in South Florida
Financing for non-US citizens, visa holders & international investors purchasing property in Florida. No US credit required.
Foreign national loans are designed for international buyers who do not hold US citizenship or permanent residency.
Non-US Citizens
Foreign nationals purchasing investment properties or second homes in Florida without US citizenship or permanent residency.
Visa Holders
Individuals holding valid US visas or those from visa waiver countries — eligibility depends on lender program.
International Investors
Foreign investors purchasing rental properties or second homes without a US credit history.
Non-Permanent Resident Aliens
Individuals legally present in the US on a temporary basis who wish to purchase US real estate.
ITIN Borrowers
Borrowers without a US Social Security number can use an ITIN to apply through select lender programs.
Second Home Buyers
International buyers purchasing a vacation home or second home in South Florida — one of the top markets for international buyers.
Requirements vary by lender. Below are the most common across the programs we work with.
Valid Passport
Required to establish identity and citizenship. Some programs also require proof of legal US entry.
Down Payment — 25–40%
Most programs require 25% to 40% down. A larger down payment typically results in better rates.
No US Credit Score Required
International credit reports, bank reference letters, or DSCR qualification accepted in place of US credit.
Bank Statements
2–3 months showing sufficient funds for down payment, closing costs & reserves — typically seasoned 30–60 days.
12 Months Cash Reserves
Many programs require liquid reserves equal to 12 months of mortgage payments after closing.
ITIN Accepted
An Individual Taxpayer Identification Number is accepted by many lenders in place of a Social Security number.
We guide international buyers through the entire US mortgage process.
Call or Apply
We review your visa status, nationality & property goals to identify available programs.
Document Collection
We guide you through required documents — passport, bank statements & income proof.
Lender Matching
We shop our wholesale network to find the program that best fits your profile.
Close on Your Property
Closing can often be completed at a US embassy or via power of attorney if you are abroad.
Ready to Invest in South Florida?
Same-day response. We will find the right program for your nationality and investment goals.