Your Foreign National Lending Resource Center
Financing built for international buyers and global investors. Finance vacation homes, condos, condotels and income-producing properties in Florida with no U.S. credit score or domestic tax returns required.
Get Pre-Approved
Why Invest in Florida Real Estate?
Strong Rental Demand
Year-round visitors and a growing population keep Florida homes, condos and vacation rentals in demand.
Long-Term Financing Without U.S. Credit
Fixed and adjustable options with no U.S. credit score required. Some programs use international credit references instead.
Grow Equity, Then Cash Out
As your property gains value, a cash-out refinance can fund your next Florida purchase.
Own in Your Name or an LLC
Many programs allow vesting in a U.S. LLC. Florida limits purchases by people from certain countries, so we confirm eligibility first.
Tailored Foreign National Loan Programs
Built Around Your Goals
Foreign National Purchase Loan
The starting point for non-residents buying U.S. property without U.S. credit, SSN, or tax returns.
Foreign National DSCR Loan
Qualify on the property's rental income. No personal income documentation required.
Full-Documentation Foreign National Loan
Qualify with verified home-country income for potentially sharper pricing and terms.
Foreign National Bank Statement
Self-employed abroad? Qualify with 12–24 months of deposits instead of tax returns.
Foreign National Asset Depletion Loans
Turn liquid wealth into qualifying income. No employment or business income needed.
Interest-Only Foreign National
Pay only interest for an initial period to maximize cash flow and DSCR.
Foreign National Portfolio Loan
Case-by-case underwriting for multi-country income, complex entities, or unique properties.
Foreign National Private Bridge Loan
Short-term private funding to close fast, then refinance or sell.
Foreign National Cash-Out Refinance Loan
Replace your mortgage with a larger loan and take the equity difference in cash.
Foreign National Rate-and-Term Refinance Loan
Improve your rate, term, or loan structure without taking cash out.
Foreign National Investment Property Financing
Finance single-family through fourplex rentals to build a U.S. portfolio.
Foreign National Second Home / Vacation Home Loan
Finance a personal-use vacation home or seasonal residence in the U.S.
Foreign National Condo / Condotel Financing
Warrantable, non-warrantable, and resort condotel financing with expert project review.
Foreign National Short-Term Rental (Airbnb) Loan
Qualify on projected or historical nightly rental income instead of a long-term lease.
How It Works
Tell us about the Florida property, your goals and how you would like to qualify.
Select from the Loan Program option menu.
All programs require some documentation depending on which program you choose. All programs require valid passports, visa status and an established U.S. bank account for the down payment.
Provided for purchases only.
A conditional loan commitment is a lender’s written promise to provide a loan, provided the borrower meets specific requirements.
Once conditions are met by the stated deadline, the lender is obligated to fund the loan on the agreed terms; if not, the commitment may be withdrawn.
Get Pre-Approved
An assigned loan officer will contact with an hour
Only at 1st Florida Lending
Competitive Rates
Rates starting in the mid 6's, with pricing from multiple wholesale lenders.
14 Programs, One Team
Qualify on rent, foreign income, bank statements or assets, all under one roof.
Florida Market Experts
Orlando, Miami, the Gulf Coast and Florida's resort and condo markets.
FAQs
Foreign national loans generally require more down than conventional U.S. loans: 25% of the purchase price for investment properties and 30% for second homes. Your exact figure depends on the program, property, and qualification track.
Ready to finance your Florida property from abroad?
- Florida Mortgage Financing
- No U.S. Credit Score Required
- Rates Starting in the Mid 6's
- 14 Loan Programs
The lowest starting rates are on adjustable-rate (ARM) options; fixed rates are higher. Rates change without notice and depend on the program, loan amount, property, and approval.
Legal & Licensing Disclosure: All loans are subject to credit approval and property qualification. Foreign national programs are non-QM portfolio loans with lender-specific overlays; down payment, LTV, reserves, and documentation requirements vary by borrower category, program, and property. Government-backed loans (FHA, VA, USDA) are not available to true foreign nationals. Rates and programs subject to change without notice. Equal Housing Lender. © 2026 1st Florida Lending Corp. All rights reserved.