Question 1

Can a foreign national get a mortgage to buy property in Florida?

Accepted Answer

Yes. Foreign nationals can finance Florida property without U.S. citizenship, a green card, or a Social Security number. Foreign national loans are non-QM portfolio products that qualify you using your passport, a valid visa or proof of foreign residency, an international or U.S. bank reference, and a down payment of typically 25–40%. Florida is the top U.S. destination for international buyers, especially from Latin America, Canada, and Europe, so many lenders specialize in these loans.

Question 2

How much down payment do foreign nationals need in Florida?

Accepted Answer

Most Florida foreign national mortgage programs require 25–40% down, with 30% being common. The larger down payment offsets the lender's added risk and the absence of U.S. credit history. You generally will not need a U.S. credit score — lenders use international credit references or bank letters instead. Rates run higher than conventional U.S. loans, but financing still preserves your capital versus an all-cash purchase, which many international buyers prefer for currency and liquidity reasons.

Question 3

What documents do foreign buyers need for a Florida mortgage?

Accepted Answer

Typical documentation for a Florida foreign national loan includes a valid passport, a U.S. visa or proof of legal residency in your home country, two to three months of bank statements (international accounts accepted), a reference letter from your foreign bank, and proof of the source of your down payment funds. No U.S. tax returns or Social Security number are required. Mortgage Capital works with lenders experienced in financing second homes and investment properties for international buyers across South Florida.

Foreign National Mortgage Florida

Foreign National Mortgage Florida — Finance Without U.S. Residency

Learn More About Foreign National Loans

Buy Florida Real Estate from Anywhere in the World