Mortgage Loan for Foreign Nationals


  • Interest rate starts from 5%
  • Minimum loan amount is $100,000 (if less, only private mortgage then)
  • Minimum property value considered – $150,000 (if less, only private mortgage then)
  • Certain county in Florida is not eligible
  • The process takes from 30 to 60 days
  • The mortgage is for 30 years. It is fixed for initial 3 or 5 years then adjusts annually; and is based on the LIBOR index.
  • Down payment: Single Family Home at least 30% for a Condo or Condo-Hotel at least 35%
  • Property can be purchased either in a personal name or Corporate name (USA corporation only)
  • Borrower must have bank account in USA, with funds prior to closing:
  1. Down payment
  2. Closing cost
  3. Reserves from 12 to 24 months payment (Includes: mortgage, home owners association, insurance and taxes). These funds stay at your account and are available to use at your discretion after closing. 

Documents Generally Required to Obtain a Loan 

  • Bill or any legal document from home country, which contains Borrower’s Name and Address.
  • Bank letter from home country.  Account should be opened no less than 2 years.
  • If borrower is a Self-Employed Business Owner, a Letter From an independent Accounting or Auditing Firm is required. 
  • If the  Borrower is an employee, we will need a letter from their employer. 



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+1 (305) 335-6067