Zenca Mortgage makes it easy for international buyers to invest in Florida real estate — even without a U.S. credit history or Social Security Number.
Zenca Mortgage makes it easy for international buyers to invest in Florida real estate — even without a U.S. credit history or Social Security Number. Through our extensive network of U.S. and international lenders, we provide competitive foreign national mortgage programs, flexible documentation, and fast approvals for non-resident borrowers.
Whether you’re purchasing a luxury condo in Miami, a vacation home in Orlando, or an investment property along Florida’s coast, our foreign-national mortgage specialists handle the entire process for you — from structuring the loan to coordinating closing — so you can invest with confidence.
A Foreign National Loan is a U.S. mortgage program designed specifically for non-U.S. citizens who want to buy property in the United States but may not have:
A U.S. Social Security Number
A U.S. credit history
Traditional U.S. income documentation
These programs are ideal for:
International real estate investors
Vacation-home buyers
Business owners with global income
Buyers using foreign income and assets
Zenca Mortgage specializes in structuring loans for complex international profiles while ensuring full U.S. compliance.
Florida is one of the top real-estate destinations for international buyers because of:
Strong rental demand driven by tourism
No state income tax
Consistent property appreciation
Global connectivity with major international airports
Year-round warm climate
These factors make Florida a powerful market for both lifestyle purchases and income-producing real estate.
Our Florida foreign national mortgage programs offer:
Loan amounts
From $150,000 to multi-million-dollar luxury properties
Down payment
Typically 25%–30% depending on property type and borrower profile
Eligible properties
Condos, single-family homes, second homes, and investment properties
Income documentation
Reviewed on a case-by-case basis using foreign income and asset verification
Credit requirements
No U.S. credit history required — foreign credit reports or bank references accepted
Loan options
30-year fixed, adjustable-rate mortgages (ARMs), and interest-only programs
Closing timeline
As fast as 30 to 45 days, depending on documentation readiness
While requirements vary by lender and country, most foreign national loans require:
Valid passport and visa
Two months of foreign bank statements
Proof of income (CPA letter, employer letter, or rental income)
Foreign credit report or bank reference letters
U.S. LLC or trust documents (if applicable)
Our team helps you prepare and organize everything so the process stays smooth.
We provide full-service foreign national lending, including:
Personalized loan consultation based on your goals
Strategic loan structuring for international income and assets
Bilingual support for Spanish-speaking clients
Coordination with Realtors, attorneys, and title companies
Remote closing solutions when needed
We eliminate complexity so you can focus on choosing the right property.
At Zenca Mortgage, we understand the challenges international buyers face — and we know how to solve them. Our expertise in Florida lending, combined with a global financial perspective, allows us to offer secure, compliant, and efficient cross-border financing.
Ready to invest in U.S. real estate as a foreign national?
Contact Zenca Mortgage today to schedule your free consultation.
We’re all about making homeownership dreams come true. We specialize in residential mortgage financing and offer a wide range of loan programs to fit your unique needs.
