All cash isn’t the only option.
Foreign national financing serves non-U.S.-citizen buyers purchasing second homes and investment properties, including the international buyers who have worked out what Florida waterfront is worth. The documentation looks different from a domestic file. Different is not impossible.
This is for you if…
- You are a non-U.S. citizen buying in Florida
- You are purchasing a second home or an investment property
- You have income and assets, but not a U.S. credit file
- You advise international clients buying in Tampa Bay
Foreign National Mortgages in Tampa Bay
Second homes
Properties you will use personally rather than rent out full time.
Investment properties
Rental property purchases, which is where a large share of international buyers land.
Alternative documentation
Income and asset verification adapted to documents issued outside the United States.
Pre-shopping review
Reviewing the file before you start shopping rather than after you are under contract.
Program availability and eligibility requirements vary and are subject to change. Nothing on this page is a commitment to lend or an offer of specific terms. Not all applicants qualify.
Foreign National: common questions
Can a non-U.S. citizen get a mortgage in Florida?
Yes. Foreign national programs exist specifically for this. The documentation requirements differ from a domestic file, but financing is available.
Do I need a U.S. credit score?
Not necessarily. Foreign national programs are built around the reality that many international buyers have no U.S. credit history.
Can I buy a primary residence this way?
These programs generally serve second homes and investment properties. Primary residence purchases follow a different path depending on your residency status.
When should I start the conversation?
Before you shop. Reviewing the file first tells you what you are working with and keeps you from getting under contract on something that will not fund.
Other programs
Let’s find out where you actually stand.
One conversation, no cost, no pressure. I’ll tell you what’s possible and what isn’t, including when the honest answer is “not yet.”