Foreign National Loans in Florida
Finance Real Estate Without U.S. Citizenship
Are you a non-U.S. citizen looking to invest in Florida real estate? Whether you’re buying a vacation home, a rental property, or a second residence, The Associates Home Loan of Florida, Inc. makes the process easier with flexible foreign national loans in Florida.
From bustling cities like Miami and Orlando to beachside towns and growing suburbs, Florida real estate is booming, and foreign national borrowers are taking notice. At Associates Home Loan, we help foreign nationals access mortgage loans with fast, smart financing without requiring U.S. citizenship or residency.
Why Choose AHL for Florida Foreign National Loans?
Understanding Foreign National Loans
Foreign national loans are mortgages designed for individuals who are not U.S. citizens, do not hold green cards, and do not reside permanently in the United States. These loans are ideal for:
- Real estate investors living abroad
- International buyers purchasing a second home in Florida
- Non-residents looking to diversify their portfolio with U.S. assets
Our foreign national mortgage in Florida is structured with flexible guidelines to help you secure the property you want—but without the typical red tape of conventional mortgages.
Florida Foreign National Loan Program Highlights
We’re not just another lender—we’re your Florida mortgage partner. Based in Tampa and serving the entire Sunshine State, we specialize in foreign national mortgage programs that remove roadblocks and get you to the closing table faster.
Here’s what you can expect from our foreign national mortgage programs:
Loan Terms
- Loan amounts starting at $20,000 USD
- Up to 65% loan-to-value (LTV) for purchases and refinances
- For investment properties only in Florida
- Max amortization of 15 years
- Interest-only options may be available
- Closing funds must be in a U.S. account under the borrower’s name
Eligible Property Types
- Single-family homes
- Condominiums
- Townhouses
- Multi-family units
- Commercial real estate (on a case-by-case basis)
Income & Documentation
We work with foreign nationals who may not have U.S. tax returns or W-2s and need to state their income. Verified assets are preferred in a U.S. bank account, and proof of income can help your loan be approved faster.
We accept:
- Foreign bank statements accepted with XE.com conversion
- CPA letters from your home country
- Business income verification
- Asset-based documentation
Non-Canadian borrowers will not be subject to an international credit report.
You’ll also need a foreign passport, but you don’t need to be in the U.S. to apply. Everything can be handled remotely with our team!
Global Demand for Florida Real Estate Is Booming
From coastal condos to commercial properties, Florida is one of the top destinations for foreign investment in the United States. Demand is high, and it’s only expected to increase. Investing in Florida real estate allows you to diversify your portfolio in a strong U.S. market, earn rental income from vacation or long-term tenants, and establish a presence in a growing economic region.
Here are just some of the locations we’ve helped our borrowers secure foreign national loans for:
- Europe
- Canada
- Caribbean Islands
- Australia
- South America
- Central America
- United Arab Emirates
Don’t let citizenship or residency status keep you from owning Florida property. With Associates Home Loan, your goals are within reach!
How to Get Started with a Foreign National Loan
Applying is simple. Here’s how to move forward with AHL:
- Contact our team for a free consultation.
- Submit basic documentation (passport, visa, bank statements, etc.).
- Choose your loan terms and get pre-qualified.
- We handle underwriting and closing coordination.
We guide you through each step to ensure your purchase or refinance is smooth and efficient.
Take the Next Step with Associates Home Loan
Florida real estate offers tremendous investment value, and you don’t have to be a U.S. citizen to claim your piece of it. At Associates Home Loan, we know the Florida real estate market and understand the distinct needs of foreign buyers. Whether you’re purchasing in Sarasota, Jacksonville, or the Florida Keys, we’re ready to help you finance your next property—anywhere in Florida’s real estate market.
Call The Associates Home Loan of Florida now at (866) 257-9476, or apply with an online loan application to get started with a foreign national loan today! With Associates Home Loan of Florida, Inc., you’ll get a loan that works with your unique financial profile, wherever you are in the world.
Frequently Asked Questions
Eligible property types include residential property, primary residences, non-warrantable condos, and investment homes. Whether you’re buying for personal use or rental income, you can secure a purchase loan under this program.
In many cases, foreign credit reports can be used to establish creditworthiness. Most lenders, including AHL, will review international credit histories when U.S. credit is unavailable.
Yes, non-U.S. citizens can still qualify using an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number, especially for ITIN loans or programs designed for temporary residents.
Down payments for foreign national loans in Florida programs typically start at 30–35%. However, actual requirements can vary based on the property type, loan amount, and borrower’s financial situation.
No, it’s easy! The entire process can be handled remotely via email, phone, and online tools.
Yes. We use alternative documentation, such as bank statements or foreign income letters.
Any non-U.S. citizen who doesn’t reside in the U.S. full-time and may lack U.S. credit history can apply.
