Foreign National Loans

Foreign National Loans—Helping International Buyers Invest in Miami Real Estate

A Foreign National Loan is designed for non-U.S. citizens who want to buy or invest in property in the United States, especially in desirable markets like Miami. These programs make it possible for international buyers to won property without U.S. credit history, income verification, or residency. Whether you're purchasing a vacation home, rental property, or investment opportunity, a Foreign National Loan provides flexible terms and simplified documentation to make homeownership abroad easier than ever.


Basic Requirements 

To qualify for a Foreign National Loan in Miami, borrowers must live outside the United States and have valid foreign identification, such as a passport and visa. U.S. credit history is not  required, but lenders will review international credit, banking relationships, or asset statements to determine eligibility.

Typical requirements include:

  • Down payment: usually 25% to 35% of the purchase price
  • Loan amounts: up to $3 million+, depending on the lender
  • Credit: international references or credit letters from foreign banks
  • Reserves: 6–12 months of payments often required
  • Income verification: may use CPA letters, bank statements, or international tax returns
  • Property types: single-family homes, condos, townhomes, and investment properties

No U.S. Social Security number or green card is required. Lenders can use foreign income and  assets for qualification, making this program ideal for investors, business owners, and global buyers.


Who Can Qualify and Property Types

Foreign National Loans are available to international investors, entrepreneurs, and non-resident  buyers looking to purchase real estate in the U.S. These programs allow financing for:

  • Second homes or vacation properties
  • Investment and rental properties
  • Condos and townhomes
  • Single-family residences

These loans are especially popular among buyers from Latin America, Europe, and Canada, who invest in Miami’s vibrant real estate market for both personal use and long-term returns. Borrowers can purchase under their personal name, an LLC, or an international business entity, depending on the lender’s requirements.


What's Not Allowed

Foreign National Loans cannot be used for primary residences or owner-occupied properties within the U.S. Borrowers must maintain legal status during the transaction, and funds for the down payment and closing costs must come from verified international accounts. Properties used for commercial or agricultural purposes are also ineligible.


Why Choose a Foreign National Loan

A Foreign National Loan in Miami makes it easy for international buyers to invest in one of the world’s most attractive real estate markets without the need for U.S. citizenship or credit. With flexible loan programs, competitive interest rates, and the ability to qualify using foreign income, this loan is perfect for buyers seeking property ownership or rental investments in Florida.

As your Miami mortgage broker, I specialize in helping international clients navigate the lending process smoothly — from documentation to closing. My goal is to make financing your Miami property simple, secure, and stress-free, no matter where you live.

Contact me today to get pre-qualified and start your journey toward owning property in the United States with a Foreign National Loan tailored to your needs.



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FAQ

What is mortgage refinancing?

Mortgage refinancing is the process of obtaining a new mortgage to replace your existing one, usually to secure a lower interest rate or to adjust loan terms.


Why should I consider refinancing my mortgage?

Refinancing can help lower your monthly payments, reduce your interest rates, consolidate debt, or access cash for home improvements or expenses.


What documentation do I need for refinancing?

You'll typically need your current mortgage statement, proof of income, tax returns, bank statements, and any relevant information about debts and assets.


How does the refinancing process work?

The refinancing process involves applying for a new mortgage, undergoing underwriting, and closing the loan, where you'll finalize all paperwork and terms.


Is there a cost involved in refinancing?

Yes, refinancing can incur costs such as appraisal fees, closing costs, and other lender fees. However, these can often be rolled into the new loan.


When is the best time to refinance?

The best time to refinance is when interest rates drop significantly below your current rate, or if your financial situation has improved, allowing for better terms.


Can I refinance if I have a low credit score?

While it's possible, low credit scores may limit your refinancing options. Our team can help you explore programs that cater to various credit scenarios, including FHA refinancing.


Will refinancing affect my credit score?

Yes, refinancing typically involves a hard inquiry on your credit report, which can slightly impact your score temporarily. However, the long-term benefits often outweigh this effect.