Foreign National Mortgages
Mortgage loans for Foreign Nationals investing in Florida real estate. Easy to obtain, minimum documentation, no proof of foreign income required.
Get Pre-Approved →
Mortgage loans for Foreign Nationals investing in Florida real estate. Easy to obtain, minimum documentation, no proof of foreign income required.
Get Pre-Approved →Min. Down Payment
25%
Loan Range
$100K – $4M
Income Verification
Not Required
Closing
Remote Available
Foreign National mortgages are designed for non-US citizens who want to purchase investment property in Florida. No US credit history, no US income verification, and remote closings available — you don't even need to be in the country.
Non-US citizens purchasing Florida investment property
Borrowers with no US credit report or income history
Investors seeking cash-out refinance up to 65% LTV
Buyers who need remote closing — no need to travel to the US
A foreign national mortgage is a home loan for non-US citizens who want to buy or refinance investment property in Florida without a US credit history or US-based income. These loans are arranged through specialty lender partners rather than agency programs like FHA or VA, so they focus on the property, your down payment, and verifiable assets abroad instead of a US credit score. They are popular with international buyers investing in Miami condos, vacation rentals, and long-term rental homes.
Because there is no US credit report or W-2 to review, underwriting looks at other evidence. Most programs ask for a valid passport and visa, a US bank account funded before closing, bank or asset statements, and often a reference letter from your home-country bank. Income verification is typically not required, and remote closings are available so you can sign from anywhere in the world. A larger down payment usually applies, and cash-out refinancing is available up to a set loan-to-value for owners with existing Florida equity.
Swiftlend is a licensed Florida mortgage broker (NMLS #402985) based in Miami, and foreign national financing is one of our core niches. As a broker we compare multiple lender partners to match your country, documents, and property to the right program, then handle the paperwork end to end. We can help you open a US bank account, coordinate a remote closing, and answer questions in plain language. The first step is a quick conversation so we can get you pre-approved.
We start with a short conversation about your citizenship, the Florida property you want, your down payment, and your available assets. From there we identify which lender partners fit your situation and outline the documents you'll need.
You provide your passport, visa, foreign bank or asset statements, and a bank reference letter. Since US income and credit aren't required, underwriting reviews these documents and confirms funds have reached a US bank account before closing.
The lender orders a professional appraisal of the Florida property to confirm its market value. This protects both you and the lender and sets the loan amount against the purchase price or, for a refinance, your existing equity.
Once underwriting clears, we schedule closing. Remote closings are available, so you can sign your documents from your home country. Swiftlend coordinates the details so you don't need to travel to the US to finalize your loan.
No fees. No commitment. No fine print. Just a clear answer on what you qualify for — today.