HI Michael,
I have several FN lenders and the guidelines will vary between what country you have citizenship as well as where you are buying in Florida. Please feel free to reach out and give me a call or send an e mail for all of the details.

Melissa Antenucci
Ameritrust Mortgage
561-417-9221

Hi again Michael:

Just a little bit more information for you. Actually, it is possible to get financing and take title in corporate or LLC name. You can finance with up to just 20% down. You do need the following documentation: Copy of Passport, 4 Credit Reference Letters, Accountant's and/or Employer's Letter, 2 Banking Reference Letters, Copy of Last 3 month's bank statements, Open US bank account, Borrower's Resume or CV, Copy of utility bill showing name and address of principal residence.

Hope this helps and let me know if you need more specific information.

best wishes,

Angela
Villa G Realty, Inc.
Tel: 954-816-7996

Michael: Unfortunately, your choices are far fewer now that they were a couple of years ago. Most of the traditional lenders have closed their doors to foreign national loans - they're not making that easy for domestic borrowers to get mortgages either!!

However, having said that, there are some smaller, specialty lenders that do still loan to foreign nationals who are buying property here in South Florida. You would need to speak with them personally but I'm pretty sure they won't loan to a corporation and you would need to take the loan as an individual and be able to provide full proof of income and assets.

I do have one company in mind, in particular, although I haven't yet dealt with them. They are doing nothing but foreign national loans. If you are interested, please don't hesitate to contact me and I'll give you their information.

Anyone is able to buy a property in the United States without special immigration visas or status. It is only when you are looking to live here longer term and take up any kind of employment, that you have to worry about a visa or green card. If you just want to buy a home for investment/vacation purposes, you're OK.

I hope this helps. If I can provide any more information, just let me know.

Best regards,

Angela
Villa G Realty, Inc.
Tel: 954-816-7996
email: angela@villagrealty.com

Dear Mr. Pansini,

As an international purchaser, I would recommend you speak to an international tax advisor on the best way to take title first. Once your advisor understands how you will be utilizing the property, you should not only proceed with a mortgage broker or bank, but also look into currency excange companies to maximize the value of your purchase.
If you have not done so already, I would recommend opening a US bank account at least 60 days prior to your real estate closing. The length of time you will need for financing and moving money should be about 60 days, not 30. Please make sure your real estate professional is versed in working with international buyers . If you have any questions, please feel free to contact me. Our focus is international buyers and sellers.

Best Regards,
Carla Rayman
Director of International Business Development
Prudential Palms Realty, Sarasota, Florida
941- 724-0519
Carla@CarlaRayman.com

Hi Michael,
In order to get a mortgage the loan needs to be in an individual's name. It can't be a corporation. That would really fall under commercial financing. Low documentation loans are really not available any more either. Speak to a local, reputable lender to find out your options. You'll need to have a stable job history, documentable income, decent credit, and also be able to verify that you are legally allowed to work and reside in the US (valid visa or green card).

Best of luck