Foreign National Loans Florida | No U.S. Credit Needed | Ronald Cepeda
Pioneer Mortgage Funding · Foreign National Loans

Own Florida Real Estate. No U.S. Credit Required.

Financing for non-U.S. citizens investing in Florida — no Social Security number, no U.S. credit history, no problem. A clear, broker-guided process from anywhere in the world.

✓ No U.S. credit needed✓ No SSN required✓ Purchase from abroad
Start My U.S. Purchase

Takes 60 seconds · No credit pull · No obligation

Why This Program

Built for exactly your situation

1

No U.S. Credit History

Your passport and home-country documentation open the door. We don't need a FICO score to get you financed.

2

Primary, Second Home, or Investment

Buy a Miami condo, a vacation home, or an income property — programs exist for every purpose.

3

Close From Anywhere

Power of attorney and remote closing options mean you may never need to leave your home country.

4

Condo Specialists

Deep experience with Florida condos — including new construction and non-warrantable buildings other lenders decline.

Client Scenario

From Bogotá to Brickell — no U.S. credit needed

Mariana, an executive in Colombia, wanted a Brickell condo for her daughter attending university in Miami. No Social Security number, no U.S. credit history — two banks wouldn't even open a file. Using her passport, a credit reference letter from her home country, and verified funds, we matched her with a foreign national lender. She closed on the $520,000 condo without ever needing U.S. credit.

$520K
Purchase Price
30%
Down Payment
32
Days to Close

Illustrative scenario based on real client situations; names and details changed for privacy. Individual results vary. All loans subject to approval.

The Process

Three steps to the closing table

1

Tell Us Your Goal

A quick call or chat about the property and your situation — English and Spanish spoken.

2

Simple Documentation

Passport, proof of funds, and income documentation from your home country. We guide you through every item.

3

Close With Confidence

We match you to the right foreign national lender and manage the transaction to the closing table.

Client Reviews

100+ five-star Google reviews

★★★★★

"Ronald is top notch! We finished two closings at the same time. His communication skills are what gets the work done!"

— Lina María Vergara
★★★★★

"Great experience working with Ronald. Transparency was given throughout the whole process. Thank you PMF team!"

— Andrew Puebla
Read all reviews on Google →
Get Started

Start My U.S. Purchase

Ronald Cepeda

Ronald personally reviews every inquiry —
expect a call or text the same business day.

By submitting, you agree to be contacted by the Ronald Cepeda Team about your inquiry. We respect your privacy and never sell your information.

✅ You're all set!

Ronald will reach out shortly. Want to talk now?
Call or text 305-785-3915
or schedule a call.

Common Questions

Foreign National Loans FAQ

Can a foreign national get a mortgage in Florida?

Yes. Foreign national loan programs allow non-U.S. citizens to finance Florida real estate without a Social Security number or U.S. credit history, using alternative documentation.

What down payment is required?

Most foreign national programs start around 25–30% down, depending on the property type and loan size.

Do I need a U.S. visa?

Requirements vary by program. Many lenders accept borrowers on visitor visas or with no U.S. status at all — we'll match you to the right one.

Can I buy a pre-construction condo?

Yes — this is one of our core specialties, including non-warrantable and new construction projects in South Florida.