Can foreigners with no US income / credit history (but with regular pension in Europe) obtain a mortgage to purchase a retirement property in the US?

Asked by Perdibber, Miami, FL Mon Jan 6, 2014

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Antonio Vega…, Agent, Saint Cloud, FL
Mon Jan 6, 2014
Yes. You are looking for a "Foreign National" loan. You will be required to place 20 to 30% down, and will be able to borrow the rest. Of course there will be paperwork, but it's not to complicated.

Here is an excellent lender that will gladly answer all your questions:

Whitney H. Hall
Sr. Loan Officer – NMLS ID #1016594
Carrington Mortgage Services, LLC
9001 Daniels Pkwy. Suite 202
Fort Myers, FL 33912
Phone 888-813-2981
Direct 239-471-9829
Fax 239-790-5676
State Licenses: FLORIDA
2 votes
Yanoska Diaz, Agent, Miami, FL
Mon Jan 6, 2014
HSBC offers wonderful foreign national programs, many of my clients have used them in the past. If you need assistance purchasing a property in Coral Gables please do not hesitate to contact me once you have your mortgage approval.
1 vote
, ,
Mon Jan 6, 2014
Yes, you could apply for a foreign national loan with a valid VISA or passport and put down 20-35% (of the purchase price). I offer foreign national loans. Let's discuss your loan scenario in more detail. Contact me at 800 315 8803. My name is Bart and I have been in the mortgage business since 1987. I am happy to answer your mortgage questions, 7 days a week and review your loan scenario.

Until then, I look forward to hearing from you.

Bart Gabe

800 315 8803

NMLS# 20743 - my licensing information - link to look up my license number
1 vote
Ray Stevens, Mortgage Broker Or Lender, Cape Coral, FL
Mon Jan 6, 2014
Yes. You are called a "Foreign National" in my industry. Underwriting is a little different but possible.

GSF Mortgage does have a Foreign National mortgage program.

Please contact me for details.


Ray R. Stevens
GSF Mortgage Corporation
Branch Manager
Branch NMLS #1122003

NMLS #177825
Office: 239-471-7971
1 vote
Leron, Home Buyer, Coral Gables, FL
Mon Jan 13, 2014
Hello Perdibber,

Indeed mortgage loans are available to foreigners that wish to purchase a home to let or a vacation property. The qualifications are quite simple, in some cases simpler than for a domestic borrower. The difference appears mostly in the maximum amount a foreigner could borrower vs a domestic borrower. The maximum loan to value is 65% for a condominium and 70% loan for a single family property (house).
Like some of my colleagues in this thread, we specliaze in financing for foreign borrowers. We have successfully originated loans for borrowers from over 17 different countries. We understand what documentation is available in your home country for qualification purposes, and can give easy and direct guidance.

Feel free to contact me at anytime at:
Leron Levy
Sentrix Financial Services
786 269 4744
0 votes
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