Non-Resident Buyers

Foreign National Loan in Miami, FL

Your licensed Miami mortgage broker for foreign national loans. We shop multiple lenders to find the right Foreign National terms for your Miami purchase, and keep the file moving to the closing table.

$620,000

Median Home Price

Non-Resident Buyers

Foreign National Highlight

33101

Primary ZIP

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Get Pre-Approved in Miami

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Foreign National Loan · Miami

Foreign National Loans From Your Miami 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.

Miami's median near $620,000 puts many purchases at the move-up end of Miami-Dade County. Loan size and structure start to matter there. We line up the Foreign National terms against that price point before you commit.

Miami runs the full spectrum, from downtown and Brickell condo towers to single-family neighborhoods. Condo financing is its own challenge here, so we vet warrantability and HOA budgets early, and we work with ITIN and foreign-national borrowers regularly.

What a Foreign National Loan Offers in Miami

✓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, not a bank, we compare foreign national loan pricing across lenders at no cost. You get real numbers for your Miamiprice point. 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. Or review the CFPB's homebuyer guide for the official rules behind the program.

Apply Now All Miami Loans

Foreign National Loan Snapshot

US CreditNot required

Minimum Down25–40%

IncomeForeign income / assets

Best ForNon-resident international buyers

CityMiami

CountyMiami-Dade County

Broker NMLS#1859012

How It Works in Miami

Apply Online

5 min · soft credit pull only

Match Program

We shop lenders for your Foreign National terms

Processing

Our team handles paperwork

We coordinate title and signing in Miami

Get Pre-Approved

FAQ

Foreign National Loan in Miami Questions

Can a foreign national buy property in Miami?

Yes. Non-residents can finance a Miami home with no U.S. credit or Social Security number. Expect 25 to 40% down, with qualifying based on foreign income and assets. Miami 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, FL?

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

How fast can a foreign national loan close in Miami?

The timeline depends on the program, the appraisal, the title work, and how quickly the seller and their lender respond, so we do not quote a fixed number of days. We return most pre-approval decisions within one business day and order third-party reports as early as the contract allows. A fully underwritten pre-approval is the strongest way to keep your Miami closing on schedule.

More Miami Loan Programs

Other Loans We Write in Miami

Official resources

Verify the details for your own situation against these government and agency sources: IRS ITIN overview and CFPB non-QM explainer.

Foreign National Loan Questions

What Miami borrowers ask us before they start a foreign national loan application.

Can I use rental income to qualify?Can a foreign national get a DSCR loan?How much down payment do I need for a DSCR loan?Can I buy an investment property with 10 percent down?What happens if I put less than 20 percent down?Can I borrow my down payment?

Browse all mortgage questions→

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