Financing U.S. Real Estate for International Buyers.
Mortgage guidance for foreign-national buyers considering Florida homes, second homes and investment properties.
Start With the Buyer, Property & Intended Use.
Foreign-national programs are not one-size-fits-all. A lender may consider citizenship/residency status, U.S. or foreign credit, income documentation, assets, reserves, property type and whether the home will be used personally or as an investment.
Common Questions
Do I need U.S. credit?
Not every program requires a traditional U.S. credit profile. Some may permit foreign credit, credit references or alternative documentation.
Do I need a Social Security number?
Requirements vary. Some foreign-national programs are structured for borrowers who do not have a traditional U.S. borrower profile.
How much down payment is required?
Down-payment requirements vary substantially by lender, program, property and occupancy. A specific scenario needs to be reviewed.
Can I buy an investment property?
Yes, eligible international buyers may have investment-property financing options, subject to program guidelines.
What documents will I need?
Common categories include passport/ID, foreign assets, source of funds, income or employment documents when required, and credit documentation depending on the program.
Can my Realtor contact you first?
Absolutely. Michelle can review a buyer scenario directly with the agent before or during the home search.
International Buyers Also Need to Think Beyond the Mortgage
Property taxes, insurance, flood risk, title/closing, ownership structure and U.S. tax implications can all matter. Mortgage guidance does not replace legal or tax advice, so international buyers should use qualified independent professionals for those topics.