Best Loan Programs for Foreign Nationals in Florida
The best loan programs for foreign nationals in Florida depend on how your income is documented and how much cash you have for the down payment. Here are the ones that fit foreign nationals best.
Best Loan Programs for Foreign Nationals
No Social Security number or no U.S. credit history shuts the door at most banks, even with steady income and real savings. That single fact decides which program saves you money, so we lead with ITIN and foreign national mortgage programs.
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.
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.
No single program wins for everyone. We compare these side by side for your numbers at no cost. When you are ready, see how foreign nationals qualify.
Home Loans for Foreign Nationals?
A licensed Florida mortgage broker who shops the loan for you — 5-minute pre-approval, honest rates.
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.