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Home Loans for Foreign Nationals in Florida

Non-resident buyers can own Florida property without U.S. credit or income — foreign national loans qualify on assets and a down payment.

25–40%

Down

No US Credit

Needed

Assets

Qualify

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Get Pre-Approved in Foreign Nationals

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Foreign Nationals · Florida

Home Loans for Foreign Nationals From a Florida Mortgage Broker

Foreign nationals buying a Florida home or investment property usually have no U.S. credit and earn income abroad, which agency loans cannot use. Foreign national programs qualify on your down payment, assets, and a reference letter from your home-country bank instead. We arrange financing for non-resident buyers, typically with 25–40% down, so you can own in Florida without a U.S. financial history.

The hurdle is usually the same one. No Social Security number or no U.S. credit history shuts the door at most banks, even with steady income and real savings. As a broker, not a single bank, we focus on ITIN and foreign national mortgage programs. We shop the file to the lenders that write it well.

Programs That Fit Foreign Nationals

✓ITIN loan. Buy with an ITIN instead of a Social Security number, using documented income.

✓Foreign national loan. For non-resident buyers, qualifying on assets and a down payment rather than U.S. credit.

✓Bank statement loan. Reads deposits when income is self-employed or hard to document the standard way.

✓FHA loan. Open to lawful permanent and many non-permanent residents with a valid SSN.

How Foreign Nationals Qualify

Gather your ITIN or passport and visa, depending on your residency.

Document income with bank statements, letters, or returns we can verify.

Plan on a larger down payment for foreign national programs (often 25%+).

Build a simple credit profile where possible — we can show you how.

No single program wins for everyone. We compare these side by side for your numbers at no cost, then shop the file to the lenders that write it well.

What to Bring

✓ITIN letter or passport/visa

✓Proof of income or bank statements

✓Down-payment statements

✓Rental or payment history

✓Photo ID

How It Works

Apply Online

5 min · soft credit pull only

Match Program

We shop lenders for foreign nationals

Processing

Our team handles paperwork

Typically 14–21 days

FAQ

Foreign Nationals Home Loan Questions

Can a foreign national buy property in Florida?

Yes. There is no citizenship or residency requirement to own Florida real estate, and foreign national loan programs finance non-resident buyers. They qualify on your down payment, assets, and a foreign bank reference rather than U.S. credit or income. We arrange the financing.

How much down payment does a foreign national need?

Typically 25–40% depending on the lender and property type. The larger down payment offsets the lack of U.S. credit and income documentation. We match you to the program with the terms that fit your purchase and country of residence.

Official resources

Verify the details for your own situation against these government and agency sources: Florida Housing homebuyer programs and CFPB Owning a Home guide.

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