Are you an International Investor seeking to own a property in the beautiful state of Florida?

Our specially designed Program for Foreign Nationals simplifies the process of purchasing a property  in the U.S., with unique guidelines that are different from conventional loans.

Why Choose Our Foreign National Loan Program?

• Up to 75% Loan-to-Value (LTV): We offer loans with high LTV ratios, enabling you to finance a significant portion of your property.

• Flexibility on Credit References: You don’t need a U.S. credit report to apply and get approved for a mortgage in the USA.

• Diverse Property Types Allowed: This includes Single-Family Residences (SFRs), Townhomes, Condos, Multi-Families, Condotels and even Commercial properties. 

• No Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) Required: Our program doesn’t need these, removing a common hurdle for foreign nationals.

• Non-Warrantable Condos Considered: We approve loans  for non-warrantable condos, which are often overlooked by other lenders.

• Competitive Loan Terms: Choose from 3yr / 5yr / 7yr Adjustable-Rate Mortgage (ARM) & 30-year Fixed Terms.
• Generous Loan Amounts: We offer loans from $200,000 up to $10’000,000.

Every International Investor is Different  

When it comes to assisting international investors seeking mortgages in South Florida,  Miami Lending Advisors stands out as a trusted partner committed to simplifying the process. Our initial interview is a pivotal step in our client-centric approach, designed to gain a comprehensive understanding of each investor’s unique goals and circumstances.

During this personalized interview, our experienced advisors engage in a meaningful dialogue with the investor, exploring factors such as their investment objectives, preferred property locations, financial standing, and any specific challenges they may face as international buyers. We take the time to address questions and concerns, shedding light on the intricacies of the U.S. mortgage landscape and helping our clients make informed decisions.Our goal is to provide international investors with a solid foundation of knowledge, enabling them to embark on their real estate journey with confidence and peace of mind. 

Foreign National Program Documents Checklist

We are here to guide you through the application process for our Foreign National Program. To streamline the process and help you secure your investment we will work together in gathering the following documents: 

Passport and Visa: Include a copy of your current signed passport and USA visa.

Proof of Residence: Provide proof of residence in your country of origin, like an utility bill (water, cable, telephone, electricity, etc.).

Income Verification in The Country of Origin 

For Self-Employed Borrowers:  Accountant’s Income Letter. This should be accompanied by a copy of the CPA License, indicating the length of business ownership and income details for the current year as well as the past two years.

For Salaried Borrowers:Employer’s Income Letter. This letter should certify your employment duration, position, monthly and annual income over the last 2 years, and the current year-to-date income. 

Assets Verification and Credit References 

Two Bank Reference Letters: These should indicate the account number, type of account, and state that the relationship has been satisfactory. 

Bank Statements: Provide the two most recent statements for each bank account owned  in the US or in other Countries. 

At Miami Lending Advisors, we believe everyone should have the opportunity to own a slice of Florida paradise. Contact us today and let’s make your dream come true!