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Foreign Nationals
How to Get a Mortgage as a Foreign National in Florida
Apr 24, 2026
Area Lending Team
Securing a mortgage in the United States as a foreign national might seem daunting, especially without a US credit score or Social Security Number. However, in Florida, which is a prime destination for international real estate investors, there are specialized loan programs designed exactly for you.
What is a Foreign National Loan?
A Foreign National Loan is a specialized mortgage product that doesn't require standard US income verification (like W-2s or tax returns) or a domestic credit history. Instead, lenders look at alternative documentation to approve your loan.
Key Requirements
- Down Payment: Typically 20% to 30% of the purchase price.
- Reserves: You may need to show 6-12 months of mortgage payments in a bank account.
- Visa/Passport: A valid passport and, depending on the lender, a valid US visa (like B1/B2).
- Alternative Credit: International credit reports or reference letters from your home country bank.
At Area Lending, we specialize in these programs and guide you through every step, ensuring a smooth closing process for your Florida dream home or investment property.
