Buy a Home in Florida as a Foreign National – No US Residency Required in 2026
Non-US residents can own Florida property with ease – no citizenship or residency needed. Explore foreign national mortgages, key requirements, and remote buying steps. Get your free personalized buyer guide now!
Foreign nationals can purchase homes in Florida without US residency, citizenship, or physical presence in the country. Florida imposes no ownership restrictions on international buyers, making it a top destination for vacation homes, investments, and rentals in areas like Orlando and Miami.
At Realtor Stephens Team, Central Florida experts, we’ve assisted numerous international clients with fully remote purchases. This authoritative 2026 guide details foreign national mortgages, eligibility (including visa notes), top lenders like Jhenesis Mortgage, down payments, documents, taxes, and remote processes – targeting searches like “buy home in Florida as foreign national,” “foreign national mortgage Florida,” and “non resident buy property Florida.”
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Key Requirements for Foreign National Mortgages in Florida 2026
Foreign national loans (non-QM) serve non-residents. Many programs skip SSN, US credit, or income verification.
- Down Payment → Typically 25-40% (often 30%); higher for investments.
- Credit → No US credit needed; some accept foreign reports or asset-based qualification.
- Documents → Valid passport essential; bank statements (foreign acceptable), asset/income proof, reference letters.
- Visa → Many lenders require a valid US visa (e.g., B-1/B-2 tourist, certain work visas, or Visa Waiver Program eligibility). However, some flexible programs proceed without one, using only a passport – always confirm with the lender.
- Property Types → Second homes or investments (primary residences tougher without visa).
- Rates/Terms → Higher (7-10%); 30-year fixed or ARMs common.
- Reserves → 6-12 months of payments.
Recommended Lender: Jhenesis Mortgage Foreign National Program
A strong choice is Jhenesis Mortgage’s Foreign National Program: Up to 70% LTV (30% down), no US credit/income required, qualifies on property cash flow (DSCR 1:1), investment properties, flexible reserves. Available for specific visa types (B-1/B-2, etc.) or Visa Waiver countries – contact them for your situation.
Step-by-Step: Remote Buying as a Foreign National
- Pre-approve with a foreign national lender.
- Partner with a Florida realtor for virtual tours.
- Submit offer; consider an LLC for privacy/taxes.
- Arrange remote inspection/appraisal.
- E-sign closing (notary via embassy if required).
- Wire funds – own your Florida property!
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Taxes & Considerations for Non-Residents
Florida has no state income tax. Expect FIRPTA withholding (15%) on sale – plannable reduction. Rental income taxed; no homestead exemption for non-residents.
Marketing Plan: Leading Foreign Buyer Searches
Targets “buy home Florida foreign national,” “non resident mortgage Florida 2026.” Drive traffic with international ads, global real estate partnerships, and annual updates for top rankings.
FAQ: Buying Florida Property as a Foreign National
Can a foreign national buy a house in Florida without living in the USA?
Yes – ownership unrestricted. Foreign national mortgages available with 25-40% down.
Do foreign national mortgages require a US visa?
Many lenders do require a valid US visa (e.g., tourist or specific types), but some flexible programs accept only a passport – check lender specifics.
What down payment is required for non-residents in Florida?
Typically 30-40%; programs like Jhenesis offer 30%.
Can the entire process be done remotely?
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