Who qualifies
- Non-US citizens purchasing Florida real estate
- Foreign nationals with or without a US visa
- International investors buying investment or vacation properties
- ITIN borrowers (Individual Taxpayer Identification Number)
- Borrowers with no US credit history — foreign credit accepted
Program highlights
- No US credit score required — foreign credit report accepted
- No Social Security Number required (ITIN accepted)
- DSCR options available — qualify on rental income
- Purchase and refinance eligible
- Investment properties and second homes (Florida)
- Financing through LLC or individual
- Condos and single-family homes in most Florida markets
Program parameters
Down Payment
25–35% typical
Loan Terms
30-yr fixed, ARM options
Loan Amounts
$150K – $3M+
US Credit Required
No — foreign credit accepted
Property Types
SFR, Condo, 2–4 unit
Occupancy
Investment or second home
Terms vary by lender and borrower country of origin. Not all programs available to all nationalities. Contact us to discuss your specific situation.
What you'll typically need
- Valid passport (no US visa required for most programs)
- Foreign bank statements (12–24 months)
- Proof of income from country of origin
- Foreign credit report or letter of reference
- Funds verified for down payment and reserves