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Financing for Foreign Nationals and ITIN Buyers
You do not need US citizenship or a green card to buy and finance a home in Florida. I help international buyers find the right loan program and close with confidence, in English, Portuguese, or Spanish.
Buying in Miami without a US passport or social security number is more common than you think. The key is matching you to the right lender.
Loan programs built for international buyers
Foreign National Loans
For buyers who live outside the US. These programs are built for non-residents and generally rely on your passport, visa, and proof of funds rather than US credit history.
ITIN Loans
For buyers in the US on an ITIN instead of a social security number. Several lenders offer mortgage programs designed specifically for ITIN holders.
Investor (DSCR) Loans
For buyers focused on rental income. These programs often look at the property's projected income rather than your personal income.
What you usually prepare
Every lender and situation is different, so treat this as a general starting point, not a requirement list. A typical foreign national or ITIN file often includes:
- A valid passport and, if applicable, your US visa
- Proof of funds for the down payment and closing costs
- Bank references or statements, sometimes from your home country
- A larger down payment than a typical resident loan
I will connect you with a vetted lending specialist who will tell you exactly what your specific program needs.
How I help you finance from abroad
As a trilingual Miami agent with over twenty years of experience, I sit between international buyers and the lenders who actually fund foreign national and ITIN loans. I coordinate the entire purchase, introduce you to vetted lending partners who specialize in non-resident financing, and keep every step clear in your language. My coverage is Miami-Dade, Broward, and Orange County in the Orlando area.
Common questions
Ready to see what you qualify for?
Let us talk through your goals and get you in front of the right lender. No pressure, just a clear plan in your language.
Hedilson Vieira, P.A. with Dalton Wade Real Estate Group. I am a licensed real estate professional, not a mortgage lender, and I do not provide lending, tax, or legal advice. Loan programs and requirements are set by third-party lenders.
