Foreign National Loans in Florida
Buy Florida investment or vacation property as a non-U.S. resident — no Social Security number or U.S. credit required. Qualify on foreign income, assets, or the property’s rent, with title in your name or a U.S. LLC.
- No U.S. credit needed
- No SSN required
- All nationalities
- LLC vesting OK
What is a foreign national loan in Florida?
A Florida foreign national loan lets non-U.S. residents finance investment or vacation homes without an SSN or U.S. credit history. CambridgeHomeLoan.com qualifies you on the property and your foreign income, assets, or rental income (DSCR), typically with 30–40% down and the option to hold title in a U.S. LLC.
| Qualifies without | An SSN or U.S. credit history |
| Income options | Foreign income letter, assets, or rent (DSCR) |
| Down payment | Typically 30–40% |
| Occupancy | Second home or investment |
Cash-to-close calculator
Estimate the cash you’ll need. Enter the price, your down payment, and estimated closing costs.
Who a foreign national loan is for
- Non-resident foreign investors
- Overseas buyers of vacation homes
- International landlords & second-home buyers
- Buyers with no U.S. credit history
- Investors purchasing via a U.S. LLC
- All nationalities — no residency required
Document checklist
- Valid foreign passport (and U.S. visa if applicable)
- International or bank reference letter
- Foreign employer or CPA income letter, or assets
- 2–3 months of bank statements
- Down-payment & reserve documentation
- U.S. LLC documents, if vesting in an entity
Florida foreign national loan requirements
| Identification | Valid foreign passport (plus U.S. visa if applicable) |
| U.S. credit / SSN | Not required — international reference accepted |
| Down payment | Typically 30–40% down |
| Income proof | Foreign employer/CPA letter, assets, or rent (DSCR) |
| Occupancy | Second home or investment (non-owner-occupied) |
| Reserves | 6–12 months, sometimes with interest reserves |
| Vesting | Personal name or a U.S. LLC |
| Property types | Single-family, condos, townhomes, 2–4 units |
Which loan is right for you?
If you live abroad and invest in U.S. property, the foreign national loan is yours. If you live and file U.S. taxes with an ITIN, see our Florida ITIN home loans.
| ITIN loan | Foreign national | |
|---|---|---|
| Who you are | Live & file U.S. taxes with an ITIN | Non-resident foreign citizen |
| SSN | No SSN, but you have an ITIN | No SSN or ITIN required |
| Typical purchase | Primary residence | Investment or second home |
| Down payment | 10–20% | 30–40% |
| Income proof | U.S. pay stubs or bank statements | Foreign income, assets, or rent (DSCR) |
Foreign national loan pros and cons
Advantages
- No SSN or U.S. credit history required
- Qualify on foreign income, assets, or the property’s rent
- Buy investment or vacation property anywhere in Florida
- Hold title in your name or a U.S. LLC
- All nationalities eligible
Considerations
- Higher down payment (typically 30–40%)
- Rates and reserves run higher than for residents
- Primary residences generally not eligible
- More documentation of foreign income or assets
Florida foreign national loan questions
What is a foreign national loan in Florida?
Do I need an SSN or U.S. credit?
How much down payment do I need?
How do I prove my income?
Which Florida markets are most popular with foreign buyers?
Can I buy through an LLC?
Invest in Florida from anywhere in the world
No SSN, no U.S. credit, all nationalities — finance your Florida investment or vacation home.
Start Your Pre-QualificationCambridgeHomeLoan.com · 4830 West Kennedy Blvd, Tampa, FL 33609 · NMLS #1826020 · 800-826-5077 · info@cambridgehomeloan.com. Equal Housing Lender. Foreign national loans are for non-owner-occupied investment and second homes. Rates, terms, and eligibility are subject to change and to borrower and property qualification. This is not a commitment to lend.