Florida Foreign National Loans — No SSN, No Green Card, No US Credit Required

No. Foreign national loans do not require a US Social Security number, US credit score, green card, or ITIN. You qualify with: a valid foreign passport, US visitor visa or visa waiver eligibility, proof of foreign income (CPA letter or employer letter from your home country), and proof of sufficient liquid assets in a US-accessible bank account. Some programs accept international credit reports as supplementary documentation.

Foreign national down payments typically range from 25% to 30% of the purchase price, with 30% being most common. The 25% floor is available with strong cash reserves and verified income; 30% unlocks better rates and accommodates lighter documentation. The down payment must come from your own funds (not borrowed), documented with 2–3 months of bank statements.

Loan amounts typically range from $200,000 to $10 million, with some lenders going higher for ultra-luxury properties. Your maximum depends on the down payment, documented income or assets, and the property’s location and type. Single-family homes, condos, townhomes, and even non-warrantable resort condos qualify. Florida luxury markets like Miami, Naples, and the Keys have particularly active foreign national programs.

Required: valid foreign passport, US visitor visa or visa waiver eligibility, 2–3 months bank statements (US or foreign bank), proof of income (CPA letter, employer letter, or business documentation from home country). Optional but helpful: international credit report, reference letters from foreign banks, copy of your home-country mortgage history if applicable. We coordinate translation and notarization of foreign documents.

Foreign national loans finance single-family homes, condos (warrantable and non-warrantable), townhomes, and resort condos. Properties must be second homes or investment properties — not primary residences (since you live abroad). Florida’s most active markets for foreign national buyers: Miami, Miami Beach, Fort Lauderdale, Naples, Sarasota, Orlando, Tampa, and the Florida Keys.

Yes. Buyers from countries on the US Treasury OFAC sanctions list don’t qualify. The list changes over time but currently includes: Cuba, Iran, North Korea, Syria, Russia, parts of Ukraine, Venezuela, and certain Sudan and Afghanistan entities. Buyers from most other countries qualify, with the most active foreign national programs serving buyers from Canada, UK, Brazil, Argentina, Colombia, Mexico, China, and Western Europe.

Foreign national rates run roughly 1.5%–3.0% higher than US-resident conventional loans, reflecting the specialty risk. You can choose 30-year fixed, 15-year fixed, or 5/1, 7/1, 10/1 ARMs. Interest-only options are available at the 30% down tier for investors prioritizing cash flow. DSCR loan structures (qualifying on rental income only) work well for foreign investors buying rental properties.