who offers mortgages to foreign nationals?

Asked by Jon Day, Lake Mary, FL Sun Jan 25, 2009

we currently live in UK and will be emmigrating with a grren card within the next year. we would like to buy a home prior and wanted to know what banks in Florida may offer a loan

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Ronald Hobbs…, Agent, Altamonte Springs, FL
Sun Dec 27, 2009
If you are legally emigrating, with an acceptable work visa, then you do not need foreign national financing. To be clear, under federal law, as a legal emigrant to the US you will be treated as a ‘permanent resident alien’ which is exactly the same as any US citizen.

However, the difficult arises with establishing ‘credit history’. Assuming you have neither US nor Canadian credit history, you will need to fully document past credit and begin to establish a US credit profile.

Beyond generalities, in these cases the details become tremendously important, and there are indeed a number of things you can do before leaving your home country to make the process both easier and faster once you emigrate to the US.

That said, among other reasons, as you are moving to a new country it is likely best for you to rent when you first arrive in the US. If properly aware, in worse case, after 12 months of residency and employment you should have no problem obtaining a US, government insured mortgage loan.

For more detail and a relocation consultation, please feel free to contact us anytime.

Ron Hobbs
Palm Springs Realty (Commercial & Residential)
U.S. Housing and Urban Development Approved Broker
Licensed Real Estate Broker, Mortgage Banker, CPA (inact.)
1 vote
Alan Salerno, Agent, Altamonte Springs, FL
Sun Jan 25, 2009
I have good sucess with an Orlando contact with FBC Mortgage ,Jeni Pitcher, CMPS

Loan Specialist

FBC Mortgage, LLC

407.377.0293 Direct

407.872.3407 Fax


They are also able to vacation homes. Alan Salerno
1 vote
Bill Eckler, Agent, Venice, FL
Sun Jan 25, 2009

Loans are definately being made to foreign nationals at this time. We understand Wells fargo is doing so with a 30-35% deposit. I'm sure there are others.

Check out their website: http://www.wellsfargo.com

Our buyers have also had success by looking for a branch of their bank in the US. One of our Canadian customers found a branch of his bank in Venice, Fl that would lend money with a much smaller deposit required. Consider looking for this type of opportunity as well.

If you have any interest in Sarasota County, we would be happy to suppor them.

Best regards,
Susan & Bill Eckler

Michael Saunders & Company
1 vote
John Bennett, Agent, Orlando, FL
Sun Jan 25, 2009
Funny you should ask, I am going to a meeting on this on Tuesday at 10 am.

I understand it is possible, and I should have more and better answers by evening Tue.

Hope might I contact you with my New found information.

1 vote
Luiz Centnea…, Home Buyer, Fort Lauderdale, FL
Sat Aug 26, 2017
I worked with Merdado Cevallos from Home Financial Group.

Home Financial Group, LLC
13790 NW 4th Street, Suite 110
Sunrise, Fl. 33325
0 votes
, ,
Tue Jun 17, 2014
A few of the responses to this question are out of date. You do not need to be an immigrant with permanent residency status to obtain financing to purchase a property in the U.S. There are three basic categories of foreign national borrower: 1) Foreign Nationals with U.S. residency status (either permanent or non-permanent) who have U.S. credit and tax returns; 2) Foreign Nationals with U.S. residency status who have not established U.S. credit and/or filed U.S. tax returns; and 3) Foreign Nationals without residency status (but are able to visit with a valid U.S. Visa). Financing is available for all three categories- the lenders, programs, rates and down payment requirements will vary by category.

Chris Hendricks
Senior Mortgage Consultant
OnQ Financial
Top Regional Mortgage Professional- Los Angeles Magazine 2014
Top 1% Mortgage Originator 2013- Mortgage Executive Magazine
p. 818.665.6066
0 votes
Abraham Bidh…, Agent, Orlando, FL
Fri May 2, 2014
Hi Jon:

I have a few banks that do foreign national loans. Please feel free to send me an email so I can forward their info to you.

In the meantime below is the link to homes for sale in Lake Mary:


Hope this helps..

Abraham Bidhendi
Top Producer Realtor® with over 26 years of experience
Awarded as Exit's TOP Buyer side Transactions for the State of Florida
Exit Realty Access, LLC
Direct: (407) 744-2533
Fax: (407) 444-9925
Email: REOsofflorida@msn.com
Search Entire MLS At: http://abidhendi.orlandopropertiesonline.com/search
Kissimmee Office: 391 N. Main St., Kissimmee, FL 34741
Altamonte Springs Office: 660 Palm Springs Dr., Suite D, Altamonte Springs, FL 32701
0 votes
Tom3591, Home Buyer, Cocoa Beach, FL
Sat Jul 27, 2013

I just answered someone else on trulia, I actually just did a loan with http://www.eastcoastinvestmentsco.com and only put 35% down they also have the EB5 opportunities for foreign investors to receive there permanent residence
0 votes
Mark LeMenag…, Agent, Lake Nona Orlando, FL
Sat Sep 11, 2010
In my experience the banks that are the most savy at working with international clients are ING, HSBC, and RBC. For a foreign national moving here they would all be a good place to start.

In terms of brokers, here's one that can handle what you are after:


Good luck,
Mark LeMenager
Find your next house with the click of a mouse.
Search the MLS without obligation or registration from my website.
0 votes
Broker Dave, Agent, Orlando, FL
Thu May 7, 2009
You can contact Scott Henderson at FBC Mortgage in Altamonte to give you direction at 407.312.8679 -
e-mail is shenderson@fbcmtg.com or apply online at http://www.fbchomeloans.com/shenderson.

I would like to help you if you are not currently not using a Realtor. Take time to explore my Trulia profile; http://www.trulia.com/voices/profile/real_estate_pro-orlando

and my website below,

Dave Lowe, Broker, Two4One of Orlando
GRI - e-PRO - GREEN - (designations)

Innovative - Save Money - Great People
Web Reference:  http://two4oneoforlando.com
0 votes
Lois Bonacci, Agent, Lake Mary, FL
Thu May 7, 2009
Bank of America is writing Foreign National Loans. Right now they require 30 percent down They will work with your accountants to verify income, etc.
0 votes
Michelle Bar…, Agent, Altamonte Springs, FL
Sat May 2, 2009
Please call me on 407 619 1961 or email me michelle606@gmail.com
I am a BRITISH Realtor working here in Longwood.
I myself made the move from the UK 4 years ago.
I have a super contact here in Altamonte Springs who can help you with a foreign national loan every step of the way.
Look forward to hearing from you soon.
Michelle Bardsley
Weichert Realtors, Hallmark Properties
0 votes
Jon Day, , Lake Mary, FL
Sun Mar 29, 2009
Hi Keith we are looking at Florida. If you could advise of what banks you have come accross lending, that would be great.

Best regards

0 votes
Keith Giorda…, , Jacksonville, FL
Sun Mar 15, 2009
We are currently doing the credit reports for the foreign nationals for banks across the country. Let us know your state and we will email you the lenders.... Keith http://www.intlreporting.com
Web Reference:  http://www.intlreporting.com
0 votes
Broker Dave, Agent, Orlando, FL
Tue Jan 27, 2009

I have a couple and if you contact me through my email I will give you the heads up.

I have my own Real Estate Company and my wife works for a developer and she just finished a home sale with a buyer from the UK.

Dave Lowe, broker
GRI / ePRO / GREEN designations
Search Central Florida Coast to Coast: http://www.myfloridahomesmls.com/davelowe
My Bio: http://brokerdave.topproducerwebsite.com/daves-bio-.asp
Customer Testimonies: http://brokerdave.topproducerwebsite.com/customer-testimonial.asp
Web Reference:  http://two4oneoforlando.com
0 votes
Erica Muller, Agent, Winter Garden, FL
Mon Jan 26, 2009
Hi Jon,

RBC bank lends to Canadians and most any bank here in the U.S. will lend to a foreign national buyer. They are usually required to put down 30-35%.

Good luck.

Erica Muller
0 votes
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