Foreign National Loans in Florida
Foreign national loans in Florida give international buyers direct access to real estate without a US credit history, Social Security number, or permanent residency. Dynamic Funding Solutions, Inc. connects buyers from Latin America, Canada, Europe, and the Middle East to a network of 100+ lenders who specialize in Florida foreign national mortgages. Call our Florida team now at (561) 247-4888.
Florida leads the nation in international real estate purchases. Miami-Dade, Broward, Palm Beach, Collier, and Orange counties attract thousands of foreign buyers every year. Dynamic Funding Solutions, founded by Lena Polnet (NMLS #17225) with 30+ years of lending experience, structures deals that local banks routinely decline.
Contact Us: Foreign National Loans in Florida
Dynamic Funding Solutions, Inc.
Huntingdon Valley,
PA
19006
Florida Line: (561) 247-4888
Pennsylvania Line: (215) 364-7171
Website: dynamicfunding.net
Business Hours: Monday–Friday, 9:00 AM–6:00 PM ET | Saturday by appointment
Ready to buy in Boca Raton, Naples, Fort Lauderdale, or Orlando? Our Florida-licensed team structures your loan file from day one. Explore our full mortgage services or learn about bank statement loans in Florida as an alternative income solution.
Who Qualifies for a Foreign National Loan in Florida
Florida foreign national loans serve buyers who hold no US credit profile and no permanent residency status. Eligible borrowers include visa holders and non-resident aliens who purchase investment properties or vacation homes. Qualified visa types include B-1, B-2, E-2, H-1B, L-1, O-1, TN, and EB-5. Buyers without any US visa — non-resident aliens from Canada, Brazil, Argentina, Colombia, the UK, Germany, and the UAE — also qualify through specialized lenders in our network.
Primary residence purchases require an active qualifying visa. Investment and vacation property purchases carry no residency requirement at all. The property must be located in Florida and meet standard appraisal guidelines. Condos in Miami Beach, single-family homes on Brickell Avenue, and vacation villas near Walt Disney World in Kissimmee all qualify when the numbers align.
Down payment requirements typically range from 30% to 40% of the purchase price. Higher down payments reduce lender risk and improve rate offers. Loan amounts vary by lender, but our 100+ lender network covers purchases from Fort Myers to Palm Beach Gardens and everywhere in between.
Documents Required for a Florida Foreign National Mortgage
No US tax returns. No US bank accounts required. Lenders underwrite foreign national loans using internationally sourced documents. Dynamic Funding Solutions guides every borrower through this list from the first call.
- Passport copies: Valid government-issued passport from country of origin
- Visa documentation: Copy of current US entry visa (when applicable)
- Foreign bank statements: Typically 12–24 months of statements from a recognized international bank
- Income verification: CPA letter, employment verification letter, or foreign employer letter on company letterhead
- ITIN: Individual Taxpayer Identification Number accepted in place of SSN by most lenders in our network
- Reference letter: Bank reference letter from a foreign financial institution
- Down payment proof: Source-of-funds documentation for the 30%–40% down payment
Some lenders require a US bank account be opened before closing. Others close without one. We match your profile to the right lender on day one. Call (561) 247-4888 to start the review process.
Florida Cities Where Foreign Buyers Are Most Active
International buyers concentrate in specific Florida markets. Each market carries its own property type, price range, and lender appetite. Dynamic Funding Solutions serves buyers across all of them.
Miami and Miami Beach: Brickell, Edgewater, Coconut Grove, and the barrier islands attract buyers from Venezuela, Colombia, Brazil, and Argentina. High-rise condos on Biscayne Boulevard dominate this market.
Fort Lauderdale and Broward County: Las Olas Boulevard, Weston, and Aventura draw Canadian and European buyers seeking waterfront properties with rental income potential.
Boca Raton and Palm Beach County: Buyers from the UK, Germany, and Israel target gated communities along Military Trail and US-1. Palm Beach Gardens and Delray Beach are also active corridors.
Naples and Collier County: Wealthy buyers from Canada and the Middle East purchase luxury homes in communities along Tamiami Trail and Golden Gate Parkway.
Orlando and Orange County: Short-term rental investors from Latin America and Europe target communities near International Drive, Champions Gate, and Reunion Resort for Airbnb and VRBO income strategies.
Frequently Asked Questions About Foreign National Loans in Florida
Can foreigners buy real estate in Florida?
Yes. Florida law places no restrictions on foreign nationals purchasing real estate. Non-US citizens and non-residents can buy condos, single-family homes, and investment properties across the state. Federal law under FIRPTA requires sellers to withhold a portion of proceeds for tax purposes, but this affects the seller, not the buyer’s ability to purchase. Dynamic Funding Solutions helps foreign buyers secure financing and navigate the closing process from offer to deed.
What documents are needed for a Florida foreign national loan?
Lenders typically require a valid passport, visa documentation (if applicable), 12–24 months of foreign bank statements, a CPA letter or employer income letter, an ITIN, a bank reference letter, and source-of-funds documentation for the down payment. US tax returns and US credit reports are not required. Requirements vary by lender, and our team matches your documentation to the right program in our 100+ lender network.
Can I use an ITIN instead of a Social Security number for a Florida mortgage?
Yes. Many lenders in our network accept an Individual Taxpayer Identification Number (ITIN) in place of a Social Security number for foreign national mortgage applications in Florida. An ITIN is issued by the IRS and does not require US residency or employment authorization. Some lenders close foreign national loans without any US tax identification at all. Lena Polnet and the Dynamic Funding Solutions team identify which lender fits your specific tax ID situation before you submit a single document.
How much down payment does a foreign national need for a Florida mortgage?
Most Florida foreign national loan programs require a down payment between 30% and 40% of the purchase price. The exact requirement depends on the lender, the property type, and the borrower’s income documentation. A larger down payment often reduces the interest rate and increases approval speed. All down payment funds must be sourced and documented, typically through foreign bank statements showing the funds have been held for a minimum period.
Can Canadian or European buyers get a Florida mortgage without US credit?
Yes. Canadian and European buyers get Florida mortgages through foreign national loan programs that do not require a US credit history. Lenders substitute foreign bank statements, an international bank reference letter, and income documentation in place of a US credit report. Some lenders also accept credit references from major Canadian or European financial institutions. Dynamic Funding Solutions works with Canadian buyers purchasing in Fort Lauderdale and Palm Beach County and European buyers targeting Miami and Naples regularly. Call (561) 247-4888 to discuss your specific country of origin and documentation.
Dynamic Funding Solutions, Inc. NMLS #17144 | Lena Polnet NMLS #17225 | Licensed in Pennsylvania and Florida | Equal Housing Lender