Foreign national mortgage in Florida — financing for international buyers.
Non-US citizens without a Social Security Number can finance Florida properties. Foreign credit reports, foreign income, and asset-based qualification accepted.
Foreign national mortgage features
- 25–30% minimum down payment (varies by investor and property type)
- Loan amounts up to $3M+ on select investors
- Property types: single-family, warrantable condo, townhome
- Second home or investment (not primary for non-residents)
- Foreign credit reports accepted in lieu of US credit
- Foreign income documentation, bank statements, or asset-based qualification
- No US Social Security Number required on most programs
Top Florida foreign national buyer markets
Miami / Miami Beach / Coral Gables
Largest international buyer market in FL. Latin American, European, and Canadian buyers active in luxury condo and single-family.
Naples / Marco Island
Significant Canadian and European buyer activity in luxury waterfront and golf communities.
Orlando
International investment in vacation homes near Disney, Universal, and theme park corridors.
Palm Beach / Boca Raton
International luxury buyers alongside domestic high-net-worth market.
Fort Lauderdale / Aventura / Doral
Active international markets, particularly Latin American and European buyers.
Florida foreign national mortgage FAQs
Do I need a US Social Security Number to get a Florida mortgage?+
No. Foreign national mortgage programs qualify non-US citizens without a SSN. Foreign credit reports, foreign income documentation, and asset-based qualification are all accepted.
How much down payment do I need as a foreign national buyer?+
Typically 25–30% down, depending on investor, property type, and loan amount. Larger loans and non-warrantable condos may require 35–40% down.
Can I buy a primary residence in Florida as a foreign national?+
Foreign national programs are typically structured for second-home or investment property purchases. Non-residents cannot occupy a US primary residence full-time under most visa situations.
What is FIRPTA?+
The Foreign Investment in Real Property Tax Act requires withholding on the sale of US property by foreign sellers. We identify FIRPTA implications at the start of any transaction involving foreign national buyers or sellers.
Finance your Florida property from anywhere
International buyers welcome — we coordinate remotely and close efficiently.