Foreign National Loans
Mortgage financing for non-US citizens purchasing property in the United States
South Florida is one of the top markets for international buyers. Foreign national loans allow non-US citizens (whether they hold a visa, are permanent residents abroad, or are purchasing as an investment) to finance property in the US without a Social Security number or domestic credit history.
Who This Is For
Non-US citizens purchasing residential or investment property in the United States
International buyers from Latin America, Europe, and the Caribbean investing in South Florida real estate
Visa holders (H-1B, L-1, E-2, etc.) who do not yet have established US credit history
Foreign investors seeking rental income or a secondary residence in Miami-Dade, Broward, or Palm Beach
Requirements
How Sofla Helps
Our AI qualification engine handles the heavy lifting so you can focus on closing.
AI qualification handles foreign national eligibility without requiring SSN or US credit score, uses alternative data points
Document checklist includes foreign-specific requirements: passport, visa docs, international bank statements, translated documents
Matches borrowers to lenders who specifically offer foreign national programs and understand international documentation
Red flag detection identifies visa type restrictions, source-of-funds issues, and documentation translation needs early in the process
Get Qualified for Foreign National Loans
A few questions. A real score. The exact document list for your loan type.
Start Qualification