International Buyers
Foreign national loans can help non-U.S. citizens buy a Florida second home or investment property without a Social Security Number or U.S. credit history. Quest Mortgage Services reviews your passport, foreign income or assets, and property to identify suitable financing. This program is not for a primary residence.
Get a Free Mortgage ConsultationNo Social Security Number required
No U.S. credit history needed
Available for investment properties and second homes
Competitive down payment options
Loan amounts up to $3 million
Available to citizens of most countries
Provide your passport and proof of foreign income or assets.
We work with you to determine the best loan structure for your needs.
Receive pre-approval without needing U.S.-based credit or income documentation.
Close on your U.S. property investment with full bilingual support.
Eligibility
Valid passport and visa or proof of legal status (no SSN or ITIN required)
Citizens of most countries — restricted-country list checked at intake
Down payment typically 25%–35% depending on property and loan amount
Property must be a second home or investment (not primary residence)
Proof of foreign income, assets, or international credit reference
U.S. bank account for closing and mortgage payments (we help you set this up)
The Process
Send passport, visa, and proof of income or assets.
We design the right loan structure — individual or LLC.
Receive a written pre-approval — no U.S. credit needed.
Sign at closing in person or remotely with bilingual support.
FAQ
Yes. Our foreign national program does not require an SSN or ITIN. We use your passport, visa status, and international financial documentation.
Most foreign national loans require 25%–35% down. Stronger applicants and lower loan amounts can sometimes qualify at 25%; larger loans may require more.
Yes — most foreign national investors close in the name of a U.S. LLC for liability and tax planning. We coordinate with your attorney on the entity structure.
Yes. Frank works regularly with international buyers from Latin America, Europe, and Canada and provides bilingual communication in English and Spanish.
Yes — Miami condos are one of the most common purchases under this program. We confirm condo eligibility before contract.
Get In Touch
Have a question about buying, refinancing, or which program fits your situation? Reach out for a free consultation — Frank responds personally.
Phone
(305) 299-6995Office
3105 NW 107th Ave, Suite 400-H5, Miami, FL 33172