If you are an international buyer, you do not need a Social Security number or a U.S. credit file to own Florida real estate. Foreign national loans qualify you with a passport, a visa, and your down payment. I close these for European, Latin American, and Canadian buyers across Key West, Miami, Naples, and the coast, second homes, waterfront, and vacation rentals. ITIN loans too, for buyers already living here.
Two different buyers, two different products. Here is which one fits.
You live outside the United States and want to own Florida property, a second home, a waterfront place, or a rental. You qualify with a passport, a visa, foreign income or assets, and international credit references. No U.S. credit, no U.S. tax returns.
You live and often work in the U.S. and file taxes with an Individual Taxpayer Identification Number instead of a Social Security number. ITIN loans usually allow a lower down payment and can use your U.S. income and some U.S. credit history.
Buying a Florida vacation rental or investment property from abroad. A foreign national DSCR loan qualifies the property on its rental income, and you can close in a U.S. LLC. Pairs perfectly with a Keys or coastal short-term rental. DSCR details.
High-value coastal homes above the conforming limit. Foreign national financing combines with portfolio jumbo for oceanfront, canal, and non-warrantable condo purchases in Key West, Miami Beach, and Naples. Jumbo programs.
A place in the sun you use part of the year. Foreign national second-home financing across the Keys, Gulf coast, and Atlantic coast, with the down payment and reserves set to the property and country.
That is a two-minute conversation. Tell me where you live, where you pay taxes, and what you want to buy, and I will tell you exactly which product fits and what it needs.
What You Need
No U.S. credit file, no Social Security number, no U.S. tax returns. Here is what a foreign national file actually runs on:
Where I Close These
Florida is a global real estate market, and the coast especially draws buyers from Europe, Latin America, and Canada. These are the areas where foreign national and ITIN files are a weekly deal for me:
The questions I hear on every international-buyer call, straight answers.
International Buyer Desk
Tell me where you live, where you pay taxes, and what you want to buy. I will confirm which product fits, send an exact document checklist, and give you a realistic close path. Time-zone friendly.