Mortgage financing for non-US citizens purchasing Florida property. No US credit, no SSN, no visa restrictions required.
25%
Min Down
Yes
No SSN
$3M+
Max Loan
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
Key Features
- No US credit history required
- No Social Security number required
- No US income or employment required
- 25-30% minimum down payment
- Available for primary, vacation, and investment properties
- Loan amounts up to $3 million+
- Foreign income and credit documentation accepted
- LLC/entity vesting available
Who Is This For?
- International buyers purchasing Florida property
- Canadians, Europeans, South Americans buying vacation homes
- Foreign investors purchasing Florida rental properties
Florida-Specific Considerations
- Florida is the #1 destination for international real estate buyers
- Miami, Fort Lauderdale, Orlando, and Naples lead in foreign purchases
- Latin American and Canadian buyers are the largest groups
- Florida title insurance protects against international ownership claims
- No Florida state income tax on rental income (federal only)
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