🇨🇴 Florida Mortgages for Colombia Buyers

Yes. Colombian citizens can qualify for foreign national mortgage programs in Florida with a valid passport, cedula de ciudadania, and proof of income through RUT, Declaracion de Renta, or bank statements. Most programs require 25-30% down payment.

The RUT (Registro Unico Tributario) is Colombia's tax identification document issued by DIAN. US lenders use it to verify your identity and tax status in Colombia, similar to how a Social Security Number works in the US. It helps establish your financial profile for the mortgage application.

Yes. Self-employed Colombian buyers can qualify using bank statement programs that review 12-24 months of deposits instead of traditional income documentation. You will also need your Camara de Comercio registration and company financial statements.

Your down payment funds can come from Colombia, but you must document the source and transfer trail. Wire transfers from Colombian banks should include bank statements showing the origin of funds. Colombia's Banco de la Republica requires declaration of foreign investments through Form 11, and your bank may need to process the transfer through the official exchange market.