Foreign National Mortgages in Florida

Yes. Foreign nationals can purchase real estate in Florida with specialized mortgage programs. Home Financial Group has helped international buyers from dozens of countries secure financing for Florida properties since 2002. No US credit history or Social Security number is required.

Typical documentation includes a valid passport, visa (if applicable), foreign credit report or bank reference letters, proof of income (often a certified CPA letter from your home country), and bank statements showing sufficient funds for the down payment and reserves.

Down payment requirements for foreign national mortgages typically range from 25% to 30% of the purchase price, depending on the property type and loan program. New construction condos may require up to 50% down. Funds can come from US-based or foreign bank accounts.

Foreign nationals can finance primary residences, vacation homes, and investment properties in Florida. Eligible property types include single-family homes, condos, townhouses, and multi-unit properties (up to 4 units). Home Financial Group can also help structure ownership through an LLC or trust.

Not always. Some foreign national mortgage programs do not require a US visa at all. Others accept a wide range of visa types including B1/B2 tourist visas, H1B work visas, L1 intracompany visas, E2 investor visas, and more. ITIN holders may also qualify. Home Financial Group evaluates each situation individually.

Yes. Home Financial Group can facilitate closings at US Embassies and Consulates abroad, so you do not need to travel to Florida for the closing. We also work with title companies that specialize in international transactions to ensure a smooth remote closing process.