Foreign Nationals


Florida has one of the largest numbers of foreign nationals looking to invest in real estate in the United States. That’s according to the National Association of Realtors Florida. Most non-U.S. borrowers can get financing from lenders, banks and other financing organizations.

As mortgage brokers, we have extensive experience helping foreign nationals interested in investing in the U.S. As a result, we are committed to help you find the right products and/or programs that will fit with your financial needs. Whether you’re purchasing a vacation home or an investment property in the U.S.

Foreign Nationals

“The guidelines are different for foreign nationals because the lender is going to need some type of guarantee that you’ll pay the mortgage and they’ll get their money back.”

That’s why, some documentation will be required for Foreign National Loans.

Required Documents for Foreign National Loans

  • Copy of Passport/Visa
  • Letter from Employer that verifies your salary
  • Letter from accountant/CPA that verifies your income
  • Bank reference letter (if you’re self-employed)
  • Bank Statement from a U.S. Financial Institution showing funds available for the down payment and closing costs.


Case Study

Especially Relevant is a recent case study. We were able to help a foreign investor to buy a condo in Orlando. It turns out, a bank mortgage officer was unable to provide financing for a condo. The borrower was holding a passport from Venezuela. And, the property he wanted to buy was considered a non-warrantable condo. As a result, the lender did not want to have this type of collateral in his portfolio.

After reviewing the loan package that was denied, we were able to offer the borrower a mortgage. As a result, the loan closed in 10 days. In conclusion, the borrower was able to honor his purchase agreement, keep his deposit, and close on the property.

“We specialize in working with foreign nationals to make sure they are able to secure financing and close in a timely fashion.”

If you are a non-U.S. borrower and are interested in buying property, also consider consulting with an attorney and an accountant. Most attorneys and accountants have experience assisting foreign nationals in purchasing investment in Florida. They can help you with your reporting and tax requirements.

So, if you are looking for  an attorney or accountant, we can make recommendations.

Foreign National Financing in Florida?

Venezuelan, Brazilian, Middle Eastern Borrowers are Welcome!

Types of Properties:


  • Second home and investment properties accepted
  • Non-Warrantable condos and condo-hotels accepted
  • Can close in LLCs and Corps
  • H1 and L1 Visas accepted


Loan Document Requirements:


  • Full documentation
  • Stated income
  • Bank statement
  • Asset depletion
  • No tax return programs


Types of Loans:


  • Loan amounts up to $3,000,000
  • Cash-out up to 65% Loan to Value
  • Limited/No credit accepted


Contact us for more information here or learn more about David A. Krebs.

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