· Ronald Cepeda
No U.S. credit? No Social Security number? You can still own Florida real estate.
Florida is a magnet for international buyers, and for good reason. But many foreign nationals assume that without a U.S. credit history, a Social Security number, or residency, owning property here is impossible. It isn't — and the process is far simpler than most people expect.
Foreign national loan programs are designed specifically for non-U.S. citizens who want to buy a home or investment property in the States. You don't need a green card, and you don't need a domestic credit score. Instead, lenders verify your income and assets through documentation from your home country, often with the help of a reference letter from your bank.
The typical requirements are straightforward: a valid passport, proof of income or assets, and a down payment that's usually larger than a domestic buyer would put down — commonly around 25% to 30%. In exchange, you get financing on a property that can serve as a vacation home, a rental, or a foothold in the U.S. market.
We've streamlined this process for clients around the world. Much of it can be handled remotely, with documents submitted digitally and closings coordinated through Florida's well-established system for international transactions. You don't need to fly back and forth to make it happen.
Currency and documentation differences can feel intimidating, but they're routine for a broker who handles these loans regularly. We translate the requirements into a clear checklist, tell you exactly what your bank needs to provide, and keep the process moving on your behalf.
If you're an international buyer with your eye on Florida, the path to ownership is more open than you think. Let's have a conversation about your situation and map out a simple, clear route to closing.