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 Conforming Loan amounts up to $726,200 | FHA Loan Limits are specific to each Florida County
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Foreign National Mortgage Rates

Foreign National Loan

Want to buy a home in Florida, but you’re not a US Citizen?

If you are not a citizen of the USA, you still may be able to obtain a mortgage to purchase a home. No problem, Our Foreign National Loan Program makes buying a home in the US easier for non-US citizens. While the guidelines on these loans are different than conventional, conforming or other federally insured loan programs, we are confident that our loan program can meet your needs.

Foreign National Program Details

  • Up to 75% Loan to Value
  • Three credit reference letters to satisfy trade lines
  • DTI up to 50% considered
  • Second Homes and Investment Properties only
  • SFRs, town homes, condos, 2-4 units
  • No SSN or ITIN required
  • 6 months reserves required
  • Reserves can remain in foreign account
  • Non-warrantable condos considered
  • 5yr / 7yr ARM & 30-year Fixed Terms available
  • Loans up to $2,000,000 (minimum $200,000)
  • Seller concessions to 2%
  • Condotels Allowed

Frequently Asked Questions

Do I need a TIN (tax identification number) to obtain a loan?
No, we do not require you to provide a tax identification number. 

Can you purchase second homes or investment properties with a foreign national mortgage?
Yes, you may purchase a second home or investment property using a foreign national mortgage.

If a US credit report is not required, what credit may be looked at?
If you are able to furnish a credit report from your home country, that will certainly help. However, we will allow you to provide proof of alternative forms of credit. This can include credit reference letters from creditors. We will even consider allowing you to use cell phone and utilities bills as credit accounts.

What sort of requirements are there related to residency status?
We do not require you to have this status. In fact, more often than not, your immigration status will not even be looked at.

When your ready to get started on our foreign national loan, we are experts to guide you through the entire process, the first step is getting you pre-approved. You can click on the button below or apply online; if you prefer to speak with one of our Mortgage Experts, we would be happy to speak with you at 888-259-2257.

Foreign National Loan Program

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Florida Foreign National Loans