Foreign National Mortgage Loans in South Florida
Expert foreign national mortgage loans and financing solutions for international borrowers, visa holders, and foreign investors in South Florida
foreign national mortgage loans: Who Qualifies
Royal Capital Solutions specializes in foreign national mortgage loans for a wide range of borrowers and visa statuses:
Non-US Citizens
Permanent residents, citizens of other countries, and those relocating to the US for business or personal reasons.
Visa Holders
H1B professional specialty workers, L1 intra-company transferees, E1/E2 treaty investors, O1 individuals with extraordinary ability, and TN NAFTA professionals.
Permanent Residents
Green card holders and those with permanent resident status seeking favorable financing terms.
Foreign Investors
International investors looking to purchase residential or investment properties in South Florida and across the United States.
Recent Arrivals
Those new to the US without established US credit history or employment verification.
Foreign National Mortgage Loans: Program Details
Down Payment & Loan Amounts
- Down payment: 20-25%
- Loan amounts up to $3M+
- Flexible terms available
- Customized loan structures
Property Types
- Primary residence
- Investment property
- Second home/vacation property
- Multi-unit properties
Loan Options
- 30-year fixed rate
- Adjustable rate mortgages (ARM)
- Interest-only options
- Portfolio loans
Alternative Documentation Options
Don’t have a US credit history? No problem. We work with alternative documentation solutions:
- ✓
International credit reports from your home country - ✓
12-month rental payment history as credit alternative - ✓
Bank account statements demonstrating financial responsibility - ✓
Employment verification from international employers
Required Documents
To get started with your foreign national mortgage loan application, please prepare the following documents:
Standard Documentation
- Valid passport or national ID
- US visa (if applicable) or green card
- Proof of income: Tax returns, pay stubs, or international income documentation
- Bank statements (2-3 months recent)
- Employment verification letter
- Proof of residence (utility bills, lease agreement)
Supporting Documentation
- Letter from CPA explaining income structure
- Employer letter confirming employment status and visa sponsorship
- International credit report (if applicable)
- Rental payment history (if using alternative credit)
- Gift letter (if down payment includes gift funds)
Property Documentation
- Purchase agreement or contract
- Property appraisal
- Title insurance commitment
- HOA documents (if applicable)
Why Choose Royal Capital Solutions
With years of experience serving international borrowers, our team is uniquely qualified to guide you through the foreign national mortgage process.
Expert Guidance
Work directly with Omar Abdel and our team who specialize in foreign national financing and understand the unique challenges international borrowers face.
International Experience
Extensive experience working with borrowers from around the world, multiple visa categories, and diverse financial backgrounds.
Multiple Lenders
Access to a network of lenders specializing in foreign national loans. We shop the market to find you the best rates and terms.
Fast Pre-Approvals
Streamlined application process designed for international borrowers. Get pre-approved quickly so you can move forward with confidence.
Flexible Solutions
Creative financing options and alternative documentation pathways for borrowers without US credit history or traditional income verification.
Personal Service
Dedicated support throughout the entire process. Your success is our priority, and we’re here to answer questions every step of the way.
Frequently Asked Questions
Can I get a mortgage if I’m a non-US citizen?
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Yes! Non-US citizens can absolutely qualify for mortgage loans. At Royal Capital Solutions, we specialize in financing for foreign nationals. You’ll typically need a valid visa or green card, a substantial down payment (20-25%), proof of income, and bank statements. While a US credit history helps, we have alternative documentation options for those without US credit.
What if I don’t have a US credit history?
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Not having a US credit history won’t stop you from getting a mortgage. We accept international credit reports from your home country, 12-month rental payment history, bank statements demonstrating financial responsibility, and employment verification letters. Many of our clients successfully qualify using these alternative documentation methods. Contact us to discuss your specific situation.
What are the down payment requirements?
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Foreign national loan programs typically require a down payment of 20-25%. This percentage may vary based on your specific situation, the loan program, and your lender. Higher down payments can sometimes help you qualify even with limited US credit history. We can discuss options to potentially lower your down payment in certain scenarios.
Can I buy an investment property as a foreign national?
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Absolutely. Many foreign nationals invest in US real estate. We can finance primary residences, investment properties, second homes, and even multi-unit properties. Investment property loans may have different terms and require additional documentation such as pro forma statements or existing rental payment history. Omar and our team can discuss the best options for your investment goals.
Ready to Get Started?
Let Royal Capital Solutions help you achieve your homeownership and investment goals. Contact Omar and our team today for a free consultation and personalized guidance through the foreign national mortgage process.
⚠️ Important Disclaimer
Rates, terms, and program availability are subject to individual qualification and credit approval. The loan programs, down payment requirements, loan amounts, and terms mentioned on this page are typical programs offered, but actual rates and terms may vary based on your creditworthiness, income, debt-to-income ratio, employment verification, property type, and other factors. All information provided is general in nature and should not be construed as financial or legal advice. Royal Capital Solutions NMLS #166551 is licensed to originate mortgage loans. For more information about our licensing and to verify credentials, please contact the Florida Department of Financial Services. Rates are subject to change without notice.
For more information on foreign national mortgage loan guidelines, visit Fannie Mae’s official guidelines.