Get Your Free Foreign National Loan Quote
A foreign national mortgage is a specialized loan product designed for non-US citizens purchasing property in Florida. Unlike conventional mortgages that require a Social Security number and US credit history, foreign national loans have been specifically designed to accommodate international buyers. These loans are increasingly popular in South Florida, where international investors and relocating professionals are drawn to the real estate market. Foreign national mortgages allow non-residents to purchase primary residences, second homes, or investment properties without needing to establish US credit or provide a SSN, making the process much more accessible for international buyers.
To qualify for a foreign national loan, borrowers typically need a valid passport from their home country, proof of income (which can include foreign income documentation or bank statements), and a higher down payment than conventional mortgages, typically 25-30%. While you don't need a US credit history, lenders will review international credit reports or bank statements to assess your creditworthiness. Foreign national loans are available for primary residences, second homes, and investment properties in Florida. Interest rates may be slightly higher than conventional mortgages due to the additional risk and documentation requirements, but the ability to purchase without a SSN or US credit history makes them invaluable for international buyers who want to invest in Florida real estate.
At MortgageQuoteNow.com, we connect international buyers and investors with lenders experienced in foreign national financing across all 67 Florida counties. Whether you're relocating to Florida, investing in real estate, or purchasing a second home, our network of specialists can help you navigate the unique requirements of foreign national mortgages. Get your free foreign national loan quote today and take the first step toward purchasing your Florida property.
South Florida is one of the top destinations in the United States for international property buyers, and our foreign national loan specialists are deeply experienced in serving these markets. We assist international buyers purchasing property in Miami and Miami Beach (Miami-Dade County), Fort Lauderdale and Sunny Isles Beach (Broward County), West Palm Beach, Boca Raton and Palm Beach (Palm Beach County), as well as Orlando (Orange County), Tampa (Hillsborough County), Naples (Collier County), Sarasota (Sarasota County), Jacksonville (Duval County), and luxury communities throughout the state. Our lenders also serve international buyers in Osceola, Seminole, Lee, Pinellas, and Brevard counties.
Who a Foreign National Loan Is For
A quick way to see whether this loan fits your situation.
Best for
- Non-US citizens purchasing Florida real estate
- Buyers without an established US credit history
- International investors buying second homes or rentals in Florida
- Borrowers who can document income from foreign sources
Avoid if
- You're a US citizen or permanent resident — use standard programs
- You can't put 25–30% down or hold the required reserves
- You won't have a US bank account to make payments from
- You need primary-residence financing — not the typical use case
What You Need to Qualify
Valid Passport
Passport from home country required
Down Payment
Typically 25-30% of purchase price
No SSN Required
Alternative documentation fully accepted
Property Types
Primary, second home, or investment eligible
Income Documentation
Foreign income docs or bank statements
ITIN or EIN
May use ITIN if SSN unavailable