Non-Resident Buyers

Foreign National Loan in Miami Beach, FL

Your licensed Miami Beach mortgage broker for foreign national loans. We shop multiple lenders to find the right Foreign National terms for your Miami Beachpurchase, and close in 14–21 days.

$750,000

Median Home Price

Non-Resident Buyers

Foreign National Highlight

33139

Primary ZIP

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Get Pre-Approved in Miami Beach

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Foreign National Loan · Miami Beach

Foreign National Loans From Your Miami Beach Mortgage Broker

A foreign national loan finances U.S. property for buyers who are not residents and have no U.S. credit or Social Security number. Florida draws international buyers, and these programs qualify them on assets and foreign income instead of a domestic credit profile.

At a median around $750,000, Miami Beach runs into higher-balance territory in Miami-Dade County. A Foreign National loan here rewards shopping — reserves, rate structure, and overlays vary between lenders.

Miami Beach is condo country, from Art Deco walk-ups to oceanfront high-rises. Warrantability, HOA reserves, and the post-Surfside inspection rules decide whether a loan closes, so we pre-screen the building first.

What a Foreign National Loan Offers in Miami Beach

✓No U.S. credit history or SSN required

✓25–40% down depending on the lender

✓Foreign income and assets document the file

✓Can close in an individual name or an LLC

✓Second homes and investment purchases both eligible

✓Reserves and a U.S. bank account strengthen approval

As a broker rather than a bank, we compare foreign national loan pricing across lenders for your Miami Beachprice point at no cost. Start with a five-minute application or call (561) 300-0380 and we will map the numbers to your situation. You can also read the full Foreign National Loan program guide.

Foreign National Loan Snapshot

US CreditNot required

Minimum Down25–40%

IncomeForeign income / assets

Best ForNon-resident international buyers

CityMiami Beach

CountyMiami-Dade County

Broker NMLS#1859012

How It Works in Miami Beach

Apply Online

5 min · soft credit pull only

Match Program

We shop lenders for your Foreign National terms

Processing

Our team handles paperwork

In Miami Beach — typically 14–21 days

FAQ

Foreign National Loan in Miami Beach Questions

Can a foreign national buy property in Miami Beach?

Yes. Non-residents can finance a Miami Beach home with no U.S. credit or Social Security number. Expect 25 to 40% down, with qualifying based on foreign income and assets. Miami Beach sees steady international demand, and we place these loans regularly.

Do I need a U.S. bank account?

It helps considerably. A U.S. account makes funding and payments cleaner and reassures the lender. Reserves held in the U.S. also strengthen the file. We will tell you what to set up before you apply.

Where can I get a foreign national loan in Miami Beach, FL?

Mortgage Capital is a licensed Florida mortgage broker (NMLS# 1859012) writing foreign national loans in Miami Beach and across Miami-Dade County. As a broker we shop multiple lenders for the program, so you see real Miami Beach pricing rather than one bank's box. Call (561) 300-0380 or apply online.

How fast can a foreign national loan close in Miami Beach?

Most Miami Beach loans close in 14–21 days, with pre-approval usually under 24 hours. The exact timeline shifts with the program, the property, and the seller. A fully underwritten pre-approval is the best way to keep your Miami Beach closing on schedule.

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Miami Beach Mortgage Broker Foreign National Loan Program Guide All Florida Loan Programs All Florida Cities Apply for Pre-Approval

Foreign National Loan in Miami Beach?

Your local Miami Beachmortgage broker — 5-minute pre-approval, honest rates, fast closing.

(561) 300-0380

Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.