Trusted by 10,000+ Families Since 1984
Foreign National Loans in Florida
Dreaming of owning a Florida home or investment property while living outside the U.S.? You’re not alone and it’s easier than you might think. For more than four decades, Home Financing Center has helped international buyers and U.S. citizens working abroad purchase property across South Florida. Our team makes the process clear, efficient, and welcoming.
Why a Foreign National Loan Works for You
Buying real estate in another country can feel complicated. Our role is to simplify it. A foreign national mortgage allows you to finance a home, vacation retreat, or investment property without U.S. residency. From start to finish, we guide you through each step so you can purchase with confidence.
Key Advantages
Competitive Rates
Financing designed specifically for international buyers.
Flexible Options
Finance primary residences, vacation homes, rentals, or commercial properties.
Straightforward Guidance
Clear explanations at every step, no surprises.
Who We Help
Our programs support a wide range of buyers and investors, including:
U.S. citizens living or working abroad
International buyers seeking vacation or rental properties
Borrowers with ITIN (Individual Taxpayer Identification Numbers)
Investors purchasing hotels, apartments, or office buildings
Professionals with valid work visas (beyond B-1/B-2 visitor visas)
Not sure if you qualify? Our team will review your situation and provide the best options for your goals.
Our Simple Process
We’ve streamlined the process for foreign national mortgages so you can move quickly and confidently.
Personal Consultation
Share your plans, and we’ll explain your loan options.
Tailored Solutions
We recommend mortgages, often variable-rate, designed around your investment goals.
Streamlined Approval
Our experience with international documentation keeps everything on track.
Fast Closing
With an average close time of about 15 days, you can move forward without delay.
Why Buyers Choose Home Financing Center
With more than $4 billion in mortgages closed, our legacy speaks for itself.
40+ Years of Local Expertise
Serving Florida buyers since 1984.
Local Expertise
Offices in Coral Gables, Miami, and across South Florida.
Dedicated Loan Officers
A single point of contact from start to finish.
Ongoing Support
Because we service many of our own loans, you’ll always work with a local representative, not an overseas call center.
What Our Clients Say
4.9/5 from 1,200+ reviews
Homeowners and investors consistently rate us 4.9/5 for service and reliability. Clients highlight our clear communication and how simple we make what could be a complicated international purchase.
Frequently Asked Questions
Find answers to common questions about our services.
What is the difference between a fixed-rate and an adjustable-rate mortgage?
A fixed-rate mortgage has an interest rate that remains the same throughout the life of the loan. An adjustable-rate mortgage (ARM) has an interest rate that can change over time, usually in response to interest rate fluctuations in the market.
What factors determine the interest rate on a home mortgage?
The interest rate on a home mortgage is determined by several factors, including the loan-to-value ratio, the borrower’s credit score, the loan term, and the type of loan.
How much money do I need for a down payment?
The amount of money you need for a down payment depends on the type of loan you are getting and the lender’s requirements. Generally, you should expect to put down at least 3–5% of the purchase price of the home.
What are closing costs?
Closing costs are fees associated with the purchase of a home that are paid at closing. These fees can include loan origination fees, appraisal fees, title fees, and more.
What documents are required when applying for a home mortgage?
When applying for a home mortgage, you will typically need to provide the lender with your financial information and documents, such as pay stubs, bank statements, and tax returns. You may also need to provide proof of employment and proof of assets.
