Foreign National Mortgage Loans in Florida
Florida is one of the most popular US real estate markets for foreign buyers — from Latin American investors purchasing in Miami to Canadian snowbirds in Palm Beach County. A foreign national mortgage allows non-US citizens without permanent residency to finance Florida real estate. Dynamic Funding Solutions is a licensed Florida mortgage broker offering foreign national loan programs statewide.
What Is a Foreign National Mortgage?
- Available to non-US citizens who are NOT permanent residents (no green card)
- Does NOT require a Social Security Number
- Does NOT require US credit history
- Suitable for: visa holders, foreign investors, vacation home buyers, non-resident aliens
- Available for primary residence (limited), second home, and investment property
Foreign National Mortgage Requirements in Florida
- Valid foreign passport
- Visa (if applicable — some programs do not require a US visa)
- Foreign bank statements: typically 12 months showing sufficient assets and income
- 30–40% down payment (most programs)
- No US credit required — foreign credit references accepted
- Property: single-family, condos (warrantable), 2–4 unit investment
- Loan amounts: $150,000 to $3M+ depending on program
Types of Foreign National Loans Available
- Standard foreign national (full-doc international): foreign income documentation, foreign bank statements
- Asset-based foreign national: large liquid assets in lieu of income documentation
- DSCR foreign national: for investment properties — qualifies on the property’s rental income, no personal income required
Florida Markets with High Foreign National Buyer Activity
- Miami-Dade County: Latin American, European, and international buyer hub
- Palm Beach County: European, Canadian, and Latin American buyers
- Broward County: international middle-market, Miramar / Pembroke Pines
- Orlando metro: international investors in vacation rental / STR market
- Naples / Southwest FL: Canadian and European retirement/vacation buyers
FAQ — Foreign National Mortgage Florida
Can I get a mortgage in Florida without a green card?
Yes. Foreign national mortgage programs are specifically designed for non-permanent residents. You do not need a green card, US credit history, or SSN. Typically 30–40% down payment is required.
What visa do I need for a foreign national mortgage?
Many foreign national programs do not require a US visa at all — they lend to non-resident aliens. Some programs require a B-1/B-2, E-2, or investor visa. Call to discuss which programs fit your specific visa status.
Can a foreign national use a DSCR loan to buy an investment property in Florida?
Yes. DSCR foreign national loans are one of the most common programs for international real estate investors buying in Florida. The loan qualifies on the rental income of the property — no US income documentation or credit history required.
International buyer in Florida? Call (215) 364-7171. Foreign national mortgage programs available statewide.
Dynamic Funding Solutions, LLC. NMLS #17144. Lena Polnet, NMLS #17225. Licensed in Pennsylvania and Florida. This is not a commitment to lend. Programs subject to change without notice.