Certain eligible non-U.S. citizens may qualify for real estate financing without a Social Security number or traditional U.S. employment history, depending on program type, documentation, and lender guidelines.
Florida — and Miami in particular — is one of the most active markets for international real estate investment in the world. Non-US citizens can legally purchase property and obtain mortgage financing. The process is more documentation-intensive than a domestic loan, but it's well-established and we've done it many times.
The key variables are: your immigration status (non-resident alien vs. resident alien vs. ITIN holder), whether the property is investment or primary, and where your income and assets are held. Each combination has a specific program and lender.
Alex is bilingual and Miami-based. He understands the Latin American buyer profile — the income structures, the asset documentation, the tax treaty implications, and the specific lenders who handle international transactions efficiently.
We identify your visa type or residency status to determine which program applies — foreign national (non-resident), resident alien, or ITIN.
Foreign income documents translated and certified where required. International bank statements, employment letters, or business documentation depending on program.
US or foreign-held assets. Wire transfer history. International bank statements. We know which lenders accept which documentation sources.
US credit pull if available. International credit reports or alternative credit documentation accepted on most programs. No US credit history required on foreign national programs.
We coordinate with your US attorney, title company, and international bank to make the closing process smooth — even across time zones.
The right program depends on your status, income source, and intended use of the property.
For buyers who do not live or work in the United States. Income, assets, and credit are documented entirely from the borrower's home country.
For borrowers who live and work in the US but do not have a Social Security number — using an Individual Taxpayer Identification Number (ITIN) instead.
Program guidelines vary by lender and are subject to change. All loans subject to underwriting and lender approval. Not a commitment to lend. Equal Housing Opportunity.
Alex reviews every file personally. Schedule a call and get direct answers.
Miami-based, bilingual, and experienced with international transactions. Let's talk about your situation — in English or Spanish.