Foreign National Loans

iFinance Florida

Why International Buyers Trust iFinance Florida for U.S. Property Financing
At iFinance Florida, we specialize in helping global clients invest in U.S. real estate—without needing U.S. credit, income, or residency. Our Foreign National Loan programs are specifically designed for international buyers seeking vacation homes, investment properties, or secondary residences in Florida and beyond. With multi-lingual support and deep expertise in cross-border lending, we simplify what others overcomplicate.

What Is a Foreign National Loan?
A Foreign National Loan is a mortgage product designed for non-U.S. citizens who live and earn income outside the United States. These loans allow foreign investors to purchase or refinance U.S. real estate without needing a social security number, U.S. credit score, or U.S. tax returns. Qualification is typically based on foreign income, bank statements, and assets—offering a streamlined and flexible path to ownership.

Who Qualifies for a Foreign National Loan?
Foreign nationals from most countries are eligible. Common requirements include a valid passport, proof of income or assets (translated if necessary), and 12 months of reserves. Down payments typically start at 25–30%, and properties must be for personal use or investment—not primary residences. Loans can be made to individuals or foreign corporations (LLCs, corporations, or trusts).

Why Foreign Buyers Choose This Route
These programs allow global investors to diversify into the U.S. real estate market with speed and confidence. There’s no need to establish credit in the U.S., no tax return requirement, and limited documentation hurdles. Plus, foreign national loans are available for a wide range of properties—from vacation condos to rental portfolios and luxury estates.

We Speak the Language of International Lending
At iFinance Florida, we’ve helped clients from Latin America, Europe, the Middle East, and beyond secure U.S. property financing with ease. We coordinate with your international legal and financial advisors, explain every step in your language, and ensure a smooth experience from pre-approval to closing. We also offer foreign national bridge loans and hard money solutions for faster closings when needed.

Ready to invest in U.S. real estate from abroad?
Schedule a personalized consultation with our Foreign National Lending Team. We’ll walk you through everything—visa or no visa—and help you structure a deal that fits your investment, tax, and legacy goals.

Key Features and Benefits:

  • Tailored for Non-Residents: Designed specifically for international investors and non-U.S. citizens seeking to purchase real estate in Florida.
  • Flexible Qualification Criteria: Accommodates international credit histories and diverse income sources to make financing accessible.
  • Lower Down Payment Options: Secure a property with a down payment as low as 25%, making it easier for foreign buyers to invest.
  • Competitive Terms and Rates: Enjoy flexible loan terms of 15 to 30 years and competitive interest rates tailored to meet your unique financial needs.
  • Streamlined Process: Minimal documentation and no prepayment penalties ensure a smooth and efficient borrowing experience.

At iFinance Florida, we specialize in serving international clients, offering personalized guidance to make your Florida real estate investment a reality. Let us help you navigate the process with ease and confidence.

Apply Today!