🇧🇷 Florida Mortgages for Brazil Buyers
Home Financial Group has helped Brazil nationals purchase Florida real estate since 2002. Customized mortgage solutions for international buyers from Brazil.
Can a Brazil Citizen Get a Mortgage in Florida?
Yes. Brazil nationals can purchase real estate in Florida through specialized foreign national mortgage programs offered by Home Financial Group (NMLS #305389). No US credit history or Social Security number is required. We have helped international buyers from Brazil secure financing for Florida properties since 2002.
Buyer Profile
Brazilian buyers represent the largest international buyer group in South Florida, drawn to Miami Beach, Brickell, and Sunny Isles for both investment and lifestyle. Many travel on B1/B2 tourist visas and prefer luxury condos with ocean views, often purchasing as a hedge against the volatile Real.
Typical Budget Range
$400K-$1.5M
Popular Areas in Florida
Miami Beach, Brickell, Sunny Isles Beach, Aventura, Bal Harbour, Key Biscayne
Common Property Types
Luxury condos, Waterfront condos, Pre-construction condos, Vacation homes
Documentation Requirements for Brazil Buyers
Preparing the right documentation is essential for a smooth mortgage process. Here is what Brazil buyers typically need:
Brazilian buyers should prepare their CPF (Cadastro de Pessoas Fisicas) tax identification number, a valid passport, and bank statements from Brazilian institutions. Income documentation typically includes Declaracao de Imposto de Renda (income tax return filed with Receita Federal). Many lenders accept translated and notarized documents with an apostille stamp.
Tax Considerations for Brazil Buyers
Brazilian buyers are subject to FIRPTA (Foreign Investment in Real Property Tax Act) withholding of 15% on the sale price when selling US property. Brazil and the US do not have a comprehensive tax treaty, but Brazil taxes worldwide income, so buyers should coordinate with both US and Brazilian tax advisors to avoid double taxation. Property tax exemptions like homestead are generally not available to non-resident foreign nationals.
Common Visa Types for Brazil Buyers
Home Financial Group works with Brazil buyers across a range of visa statuses and immigration situations:
B1/B2
ITIN
EB-5
Brazil Buyer? Start Your Application Today
Home Financial Group has helped international investors from Brazil and over 30 other countries purchase Florida real estate. Get started with a no-obligation consultation.
Complete guide for Brazil buyers
Visit our International Center for an in-depth guide — including city recommendations, documentation checklists, and support in your language.
Brazil Guide at International CenterFrequently Asked Questions: Brazil Mortgages in Florida
Yes. Brazilian citizens can qualify for a foreign national mortgage in Florida with a valid passport, CPF tax ID, and proof of income. Most programs require 25-30% down payment and accept bank statements or income tax returns from Brazil as documentation.
You will need a valid Brazilian passport, CPF number, two years of Declaracao de Imposto de Renda (Brazilian tax returns), bank statements showing funds for the down payment and reserves, and a credit reference letter from a Brazilian bank. All documents must be translated into English and notarized.
No. Foreign national mortgage programs do not require a US credit score. Lenders will accept an international credit report or a credit reference letter from your Brazilian bank showing your payment history on existing loans or credit cards.
FIRPTA (Foreign Investment in Real Property Tax Act) requires a 15% withholding on the gross sale price when a foreign national sells US property. This is not an additional tax but a prepayment toward any capital gains tax owed. You can file a US tax return to recover any overpayment.
A B1/B2 tourist visa does not grant residency status, so most lenders will classify the property as a vacation home or investment property rather than a primary residence. This typically means a higher down payment (25-30%) compared to primary residence programs.
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Learn MoreBrazil Buyer? Let’s Talk
Home Financial Group has helped international investors purchase Florida real estate since 2002. Contact us to discuss your financing options.