Program highlights
- No US credit history required — international credit references accepted
- As little as 25–30% down on second home and investment purchases
- Loan amounts up to $5M+ with strong reserves
- Available for condos, single-family, and small multifamily
- ITIN-friendly options available
- Multi-currency proof of income accepted with translation
Who it's best for
- Latin American families buying a second home in Miami or Fort Lauderdale
- European or Canadian buyers acquiring Florida investment property
- Investors building a Florida short-term rental portfolio
- Buyers relocating to Florida ahead of a visa or residency change
What Florida buyers should know
South Florida title, insurance, and HOA docs are frequently required in Spanish and Portuguese. Joann's team coordinates translations, in-country notarization, and wire logistics so international closings actually close on time.
Frequently asked questions
Do I need a US Social Security Number to buy in Florida?+
No. Foreign national programs qualify off international credit and asset documentation. ITIN programs are also available if you have or will get an ITIN.
How much do I need to put down as a foreign national?+
Usually 25–30% for a second home or investment purchase, sometimes higher for jumbo loan amounts. Joann quotes real down-payment scenarios against your target Florida property.
Can I use rental income to qualify?+
Yes — DSCR foreign-national loans qualify off the property's projected rent, not personal income abroad.
Explore more Florida loan programs
Ready to talk foreign national & portfolio loans?
Joann answers her own phone. Get a real quote — no credit pull without your consent, no pressure, no sales script.