Foreign National Mortgages in Florida: What International Buyers Should Know

Reviewed September 2026 • Florida

Buying Florida real estate from outside the United States can involve different documentation and financing considerations. The right starting point is understanding how the proposed use of the property, available funds and documentation fit the available loan options.

Can a foreign national finance Florida real estate?

Potentially, yes. Available programs and requirements vary. International borrowers may be evaluated differently from borrowers using traditional U.S. income and credit documentation.

Questions to address before property shopping

Discuss the intended property use, down-payment funds, reserves, source of funds, income documentation, credit history, banking relationships and how funds will be transferred for closing.

Remember the ownership costs

Mortgage planning should also account for Florida property taxes, homeowners and flood insurance where applicable, association costs, and closing expenses. International buyers should obtain independent tax and legal advice about ownership structure and cross-border implications.

Talk with Michelle

Planning a Florida purchase? Michelle Brock, NMLS #2111417, serves mortgage clients throughout Florida through Certified Home Loans, NMLS #1806779.