Foreign National Loan Requirements in Florida
Exactly what you need to finance Florida property as an international buyer: passport, visa or residency proof, down payment, and bank documentation. Licensed FL mortgage broker NMLS# 1859012.
By Onias Derilus, Mortgage Capital · NMLS# 1859012 · Last Updated: June 2026
A Florida foreign national mortgage skips the usual U.S. paperwork. You do not need citizenship, a green card, a Social Security number, or U.S. tax returns. Instead, lenders verify who you are with a passport, confirm your standing with a visa or residency proof, and document your funds with bank statements. Here is the full checklist.
Identity and Eligibility
The core of your file is a valid passport plus proof of your legal standing — a U.S. visa or documentation of legal residency in your home country. No Social Security number is required.
You can buy a second home or an investment property. These programs are built for buyers who live abroad, so U.S. residency is not a condition of approval.
Down Payment and Reserves
Plan on 25 to 40% down, with 30% the most common. The larger down payment offsets the lender’s added risk and the absence of a U.S. credit history.
You will document the source of your down payment funds and show reserves. International bank accounts are accepted, and a reference letter from your foreign bank stands in for a U.S. credit score.
| Requirement | Typical Standard |
|---|---|
| Down Payment | 25–40% (30% common) |
| U.S. Credit Score | Not required |
| Income Docs | Bank statements / foreign bank letter |
| Reserves | 6–12 months of payments |
| Source of Funds | Documented |
Guidelines vary by lender. Not a commitment to lend. Equal Housing Lender.
Your Document Checklist
Most foreign national files include a passport, a visa or residency proof, two to three months of bank statements, a foreign bank reference letter, and proof of the source of your down payment.
Our team coordinates this paperwork across time zones. See the full path on our how to qualify page.
Foreign National Loan Requirements — FAQ
No. Foreign national loans require a valid passport and a visa or proof of foreign residency, but no Social Security number, U.S. citizenship, or green card. Your funds are documented with international bank statements.
Most Florida foreign national programs require 25 to 40% down, with 30% being common. The larger down payment offsets the lender’s risk and the lack of a U.S. credit history.
Typical files include a valid passport, a U.S. visa or foreign residency proof, two to three months of bank statements, a reference letter from your foreign bank, and proof of the source of your down payment funds.
See If You Qualify as a Foreign National
No U.S. credit needed · Passport & visa qualify · Licensed FL mortgage broker NMLS# 1859012
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.