Foreign National Mortgage Florida
International buyers can finance Florida real estate without U.S. citizenship, a green card, or a Social Security number. We connect global buyers with lenders who specialize in foreign national loans for second homes and investment property.
A foreign national loan lets non-U.S. citizens without U.S. credit or income finance Florida property — common for second homes and investments in South Florida. Qualification relies on down payment (typically 25–30%), reserves, and foreign documentation rather than a U.S. credit score. NMLS# 1859012.
Foreign National Mortgage Florida — Finance Without U.S. Residency
A Florida foreign national mortgage lets international buyers finance property without U.S. citizenship, a green card, or a Social Security number. The upside: you keep your capital working instead of tying it all up in an all-cash purchase, which helps with currency and liquidity planning.
Official resource: CFPB — Mortgage Resources.
These are non-QM portfolio loans. You qualify using your passport, a valid visa or proof of foreign residency, and bank statements (international accounts are fine). You'll also need a down payment in the 25–40% range. Florida happens to be the top U.S. destination for international buyers — especially from Latin America, Canada, and Europe — so a good number of lenders specialize in exactly these files.
No U.S. credit score or tax return is required; lenders lean on international credit references or a letter from your foreign bank instead. Mortgage Capital matches global buyers with lenders experienced in South Florida second homes and investment condos. We guide the paperwork across time zones so nothing stalls.
Learn More About Foreign National Loans
Dig deeper into how foreign national mortgages work in Florida — current rates, full requirements, the step-by-step path to qualifying, and an honest look at the pros and cons before you apply.
Foreign National Loans in Florida Cities
Get a foreign national loan from a licensed local mortgage broker in your city. Each page has the local price band, down payment, and what it takes to qualify for a Foreign National loan where you are buying.
Buy Florida Real Estate from Anywhere in the World
Foreign national financing · No U.S. credit needed · Second homes & investment property · 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.