Mortgage Service for foreign nationals Florida

If you looking to purchase property in a country other than where you currently reside, our team specializes in securing the very best international mortgage finance options for clients worldwide. With access to over 100 lenders and a wealth of knowledge in international property financing, we can assist in arranging overseas mortgages in any corner of the globe. Our track record speaks for itself, having successfully completed mortgages for individuals from 64 different nationalities across 17 countries.

  • Financing options for primary residences
  • Financing options for vacation homes
  • Refinancing and accessing equity
  • Construction and development funding
  • International bridge loans
  • Cross-border mortgage solutions
  • Offshore property financing
  • Multi-currency mortgage options

When it comes to securing the best property finance, it’s not always as simple as approaching your local bank. Many banks may not offer property finance at all, while others may only provide loans for domestic real estate purchases. Even if your bank does offer financing, it may not necessarily offer the most competitive rates. Trust our team to navigate the complexities of international mortgage finance and secure the best possible option for your property purchase abroad.

Frequenly Asked Questions ( FAQs )

Because most international buyers do not file US tax returns or hold a domestic credit report, our lenders rely on alternative documentation. You will typically need a valid passport, a second government-issued ID, proof of income from your home country (such as employer letters, tax returns, or a CPA verification), recent personal and business bank statements, and a reference letter from your home-country bank. Foreign National Loans helps assemble the full file before underwriting so nothing slows the approval down.

Down payment requirements for Foreign national property loans Florida usually begin at 25% of the purchase price, though some programs sit between 30% and 40% depending on loan size, property type, and the strength of your reserves. Luxury condos and pure investment properties tend to fall at the higher end. Our team matches each client with the lender offering the most flexible structure for their profile.

Yes. Foreign National Loans arranges financing for primary residences, second homes, vacation properties, and rental investments across Miami, Orlando, Tampa, Fort Lauderdale, Naples, and the rest of the state. Many of our clients purchase beachfront condos for personal use during winter months and rent them out the rest of the year. Construction loans, refinances, and cash-out equity programs are also available once you already own Florida property.

A complete file generally closes within 30 to 45 days from application, and bridge loan options can close even faster when timing is tight. Foreign National Loans assigns a dedicated specialist to every transaction to keep documents moving, coordinate with the title company and your real estate agent, and keep you informed at each stage so the purchase stays on schedule.