Foreign National
U.S. property without U.S. credit history
Miami is an international city and my practice reflects it. Foreign-national programs exist precisely for buyers who live and earn abroad: no U.S. credit history required, income documented from your home country, and closings that can be coordinated remotely. Se habla español — y todo el proceso puede ser en tu idioma.
This tends to fit you if…
- You live outside the U.S. and want Florida property — investment, vacation home, or a future landing spot
- You have no U.S. credit history (or a thin one)
- Your income and assets are documented in your home country
- You may be buying through an entity, or remotely
Good to know
- Foreign-national programs ask for larger down payments than domestic loans, with reserves after closing — the exact requirement varies by lender.
- An ITIN (U.S. tax ID) is required for some programs and not others — we'll sort that early.
- Condo and new-construction purchases — the classic Miami international buy — are well-trodden ground for these programs.
How it works with me
- 01
Document mapping
I'll give you a precise list of what your file needs — bank reference letters, income documentation, passport/visa — before you gather anything twice.
- 02
Program match
Foreign-national guidelines vary widely by lender: down payment, reserve requirements, eligible countries. I place your file where it fits.
- 03
Remote-friendly close
Power of attorney, embassy notarization, mail-away closings — buying from abroad is routine when the team has done it before. Mine has.
Quick answers
Can I really get a U.S. mortgage with no U.S. credit?
Yes. Foreign-national programs replace the U.S. credit report with alternatives — international credit reports where available, bank reference letters, and larger down payments. It's a well-established lane, not an exception.
¿Podemos hacer todo el proceso en español?
Sí — absolutamente. Toda la conversación, la explicación de cada documento y cada paso del proceso puede ser en español. Cambia el sitio a español con el botón ES arriba.
Next step
Not sure this is the one? That's my job, not yours.
Fifteen minutes on the phone and I'll tell you which program actually fits your file — and what it takes to qualify.
The next step
15 minutes with Ingrid beats a week of googling.
No obligation, no pressure. Tell her where you are — she'll tell you exactly what's possible and what happens next.