Financing options for international buyers entering the U.S. real estate market.
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.
International buyers who need a lender who understands the process.
The Florida market is open
to international buyers.
Florida — and Miami in particular — is one of the most active markets for international real estate investment in the country. Non-US citizens can legally purchase property and obtain mortgage financing on eligible Florida properties. The process is generally more documentation-intensive than a domestic loan.
The key variables are: immigration status (non-resident alien vs. resident alien vs. ITIN holder), whether the property is investment or primary, and where income and assets are held. The correct program depends on these factors together with credit history, occupancy, and source of funds.
Alex is bilingual and Miami-based. He works with the Latin American buyer profile — income structures, asset documentation, and the lenders who handle international transactions — subject to each lender's requirements and applicable program guidelines.
Immigration status review
We identify your visa type or residency status to determine which program applies — foreign national (non-resident), resident alien, or ITIN.
Income documentation
Foreign income documents may need translation and certification. International bank statements, employment letters, or business documentation may be required depending on program.
Asset and reserves verification
US or foreign-held assets. Wire transfer history. International bank statements. Documentation sources accepted vary by lender.
Credit — US and international
US credit pull if available. International credit reports or alternative credit documentation may be accepted on eligible programs, subject to lender-specific requirements.
Close and own
We coordinate with your US attorney, title company, and international bank to help the closing process go smoothly — even across time zones.
Two paths to ownership.
The right program depends on your status, income source, and intended use of the property.
Foreign National Program
NON-RESIDENT ALIENSFor buyers who do not live or work in the United States. Income, assets, and credit are generally documented from the borrower's home country, subject to lender requirements.
- Some programs may accept alternative or international credit documentation in place of US SSN or credit history
- Passport-based identification
- Foreign income documentation (translated/certified where required)
- Investment property and second home eligible on eligible Florida properties
- Down payment and loan amount vary by lender and program
ITIN Program
ITIN HOLDERS · US INCOME OR ASSETSFor borrowers who live and work in the US but do not have a Social Security number — using an Individual Taxpayer Identification Number (ITIN) instead.
- ITIN used in place of SSN
- US income documentation (ITIN tax returns, W-2s, or bank statements)
- US or foreign credit history may be accepted, subject to lender guidelines
- Primary residence, second home, and investment eligible on eligible Florida properties
- Down payment varies by lender and program
Program DetailsWhat to expect.
Identification
- Valid passport (foreign national)
- ITIN letter from IRS (ITIN program)
- Visa documentation where applicable
Income Documentation
- Foreign employer letter and recent pay records where applicable
- Foreign tax returns (translated), depending on program
- Bank statement programs available on eligible programs
- ITIN tax returns for US-based borrowers
Credit
- US credit pull if history exists
- International credit reports may be accepted, subject to lender guidelines
- Alternative credit documentation may be permitted when US credit history is not established
Down Payment
- Down payment requirements vary by lender, program, and occupancy type
- Sourced from international or US accounts
- Wire transfer documentation required
Property Types
- Investment property (purchase or refinance)
- Second home / vacation property
- Primary residence (ITIN program)
- Condos — including non-warrantable on select programs
Loan Amounts
- Loan amounts vary by lender and program
- ITIN: conforming to jumbo
- Florida properties only
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.
Frequently Asked Questions
Have questions about this program?
Alex reviews every file personally. Schedule a call and get direct answers.
International buyer.
Local expert.
Miami-based and bilingual, with experience in international transactions. Let's talk about your situation — in English or Spanish.