Foreign National Loans in Florida for International Property Buyers
Mortgages Done Right helps qualified foreign national buyers compare mortgage options for Florida real estate purchases, including vacation homes, second homes, investment properties, condos, and income-producing properties.
Many foreign national mortgage programs are designed for borrowers who do not live or work full-time in the United States, with documentation requirements that vary by lender, property type, and borrower profile.
NMLS: #1532755
Mortgage options for non-U.S. citizens buying Florida real estate.
Foreign national mortgage programs may help eligible international buyers purchase Florida property without being a U.S. citizen or permanent resident. These programs are commonly reviewed for vacation homes, second homes, condos, investment properties, and other Florida real estate purchases.
Because every lender is different, Mortgages Done Right helps compare options, documentation requirements, down payment guidelines, and property eligibility before you move forward.
Foreign national loans may help buyers who need:
Financing options for international buyers purchasing property in Florida.
Foreign national mortgage programs are not all the same. Down payment, property type, credit documentation, assets, reserves, and country of residence can all affect available options.
No U.S. Tax Returns
Foreign national programs generally do not require U.S. tax returns, but lenders will still review required identification, assets, credit, and property documents.
Vacation Homes
International buyers may have options for purchasing vacation homes, second homes, and Florida lifestyle properties.
Investment Properties
Some programs may allow eligible foreign national borrowers to finance investment property or rental property purchases.
Florida Condo Financing
Condo eligibility, project approval, insurance, and building requirements may affect available financing options.
How to prepare for a foreign national mortgage application.
Documentation requirements vary by lender and program. Preparing the records a lender may request can help make the review process clearer, but every item remains subject to lender and program review. Borrowers with self-employment documentation needs can also compare bank statement loans for self-employed borrowers.
Mortgages Done Right can help you understand which documents may apply before you start shopping or make an offer on Florida property.
Planning a purchase in South Florida? Explore Palm Beach County mortgage guidance and Broward County mortgage guidance, or ask about options for another Florida location.
Identification and residency details
A lender may request a current passport, identification, and applicable visa or residency details. The exact records vary by lender and program.
Assets, down payment, and reserves
Be prepared to document assets, available down payment funds, reserves, and source of funds when requested, subject to lender and program review.
Credit references and financial records
Depending on the program, a lender may request foreign credit, bank references, bank statements, or alternative financial documentation.
Property use and eligibility details
Share whether the property may be a vacation home, second home, condo, or investment property. Eligibility varies and remains subject to lender and program review.
Foreign national loan options for Florida property buyers.
Foreign national buyers may use mortgage financing for different property goals, depending on the lender, property type, location, and buyer profile.
Vacation Homes
Financing options for buyers purchasing a Florida vacation property or second home.
Condos & Townhomes
Options may be available for eligible condominium and townhouse purchases.
Investment Properties
Some programs may allow eligible foreign national borrowers to finance rental or investment properties.
Second Homes
Financing may be available for eligible second home property purchases in Florida.
What international buyers should know about down payment, credit, taxes and documentation.
Foreign national loans are not no-document loans. They are built for borrowers whose income, assets and credit history are outside the United States, so the lender looks at different evidence. The points below describe general market tendencies, not the guidelines of any one lender.
Down payment expectations
Foreign national programs commonly ask for a larger down payment than a typical U.S. primary-residence mortgage. As a general tendency, many programs look for roughly 25% to 30% down, and some ask for more on investment properties, larger loan amounts, or certain countries of residence. A few programs may accept less for a strong second-home profile.
The amount for your purchase depends on the lender, property type, intended use, and your assets and reserves. Plan for closing costs and post-closing reserves on top of the down payment.
Credit with limited or no U.S. credit
Many international buyers do not have a U.S. credit score. Depending on the program, a lender may consider an international credit report, home-country credit references, bank reference letters, or a U.S. account or payment history if you have one.
Some programs, especially rental-income programs for investment property, place less weight on personal credit and more on the property, the down payment, assets and reserves. Whether a Social Security number or an ITIN is requested varies by lender.
Are U.S. tax returns required?
Many foreign national programs do not require U.S. tax returns, because the borrower earns and pays tax outside the United States. That does not make the loan undocumented.
Depending on the lender, you may be asked for employment verification, foreign tax documents or an accountant's letter, business financial statements, and personal or business bank statements. Rental-income programs may rely mainly on the property's lease or market rent instead of personal income.
Documenting overseas income and assets
Lenders commonly want complete bank and investment statements, proof that the accounts are yours, translations when documents are not in English, and a clear source for any large deposit. Overseas income is considered only when it can be documented in a way the lender accepts.
Funds are often wired to a U.S. account or to the title company before closing. International transfers can involve intermediary banks, transfer limits, currency conversion and compliance review, so plan the timing early and keep a clean paper trail. Our foreign national mortgage checklist lists the records to gather.
Second homes and vacation homes
Second-home or vacation-home financing may be available when the property is for your own personal use. Lenders ask how you plan to use the property, and a home that will be rented regularly may be treated as an investment property instead, which usually means different terms.
Condos add a project review that looks at association insurance, finances, special assessments and rental restrictions. See our guide to warrantable and non-warrantable condo loans in Florida.
Investment property purchases
Some programs allow foreign nationals to finance rental properties. Qualification often compares the property's expected rent with its monthly obligations, alongside the down payment, reserves and credit references. Investment properties generally need more down than a second home, and some lenders allow eligible purchases to be held in an LLC.
If cash flow is the main goal, compare DSCR investor loans with a foreign national program, since some investors can use either.
General market tendencies only. Down payment, credit, income documentation, reserves, eligible countries and property rules vary by lender and scenario and change often. This is not a rate quote, loan approval or commitment to lend. Last reviewed October 2026.
Learn more about financing Florida property as an international buyer.
Review detailed guides covering foreign national documentation, buyer preparation, alternative Non-QM financing, and common questions before you make an offer on Florida real estate.
Foreign National Mortgage Checklist
Prepare identity, income, overseas assets, source-of-funds records, reserves, and property-use documentation before applying.
Foreign National Buyer Video Guide
Watch Greg explain foreign national financing for Florida second homes, condos, vacation properties, and investment purchases.
Non-QM Loans in Florida
Explore flexible mortgage options for borrowers whose income, assets, credit, or documentation do not fit standard conventional guidelines.
Compare foreign national loans with other specialty mortgage options.
Depending on whether the property is a rental property, business property, or investment property, DSCR investor loans or commercial loan options may also be worth reviewing.
DSCR Investor Loans
Review investor loan options based on property cash flow instead of traditional personal income.
Commercial Loans
Explore financing options for office buildings, mixed-use properties, multifamily, and business real estate.
About Greg Hayden
Learn more about Greg Hayden, Mortgages Done Right, and our South Florida mortgage approach.
Common questions about foreign national mortgage loans in Florida.
Can a foreign national buy property in Florida?
Yes. Qualified foreign national buyers may be able to purchase Florida real estate, subject to lender, legal, property, and documentation requirements.
Do foreign national loans require U.S. tax returns?
Foreign national mortgage programs generally do not require U.S. tax returns, but lenders will still review required documentation such as identification, assets, credit references, and property information.
Can foreign national borrowers finance investment property?
Some programs may allow eligible foreign national borrowers to finance rental or investment properties in Florida.
What down payment is needed?
Down payment requirements vary by lender, property type, loan amount, documentation, and borrower profile.
What areas do you serve?
Mortgages Done Right is based in Boynton Beach and helps clients throughout Palm Beach County, Broward County, and Florida.
How do I apply?
You can apply online through the secure application link or call Greg directly at 561-777-7622 to review your scenario first.
Talk with Greg before you purchase Florida property.
Whether you are buying a second home, vacation property, investment property, or condo in Florida, Mortgages Done Right can help you compare foreign national mortgage options.
With more than 250 five-star Google reviews and access to 25+ wholesale lender options, Mortgages Done Right helps borrowers compare mortgage solutions that fit their goals.