Foreign national loans · Florida and other U.S. states
Condos, homes, and townhomes. Many of our foreign national programs require no income documentation and no credit history. Some programs do. We'll tell you which fits in one conversation.
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We reply in English or Spanish. Messages received outside U.S. business hours are answered first thing the next business day.
Message us on WhatsApp or call, and our team replies the same day during business hours (9 a.m. to 6 p.m. ET, 7 days a week).
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Tap the WhatsApp button. Write in English or Spanish.
The city or state, the type of property, and the price range.
Then we send you a simple list of the documents you need.
Step by step, even if you are not in the U.S.
Some programs ask for more. We'll tell you before you start.
Many of our programs weigh your overall financial strength, like significant assets, more heavily than the property alone.
Condos and condotels are our specialty. We also finance:
Whether it's a vacation home, a place for family, or an investment property, message us and we'll tell you which program fits.
Available for properties in: Alabama, Arizona, California, Colorado, District of Columbia, Delaware, Florida, Georgia, Illinois, Maryland, Missouri, North Carolina, New Jersey, Pennsylvania, South Carolina, Tennessee, Texas, Virginia.
There is more than one way to own property in the U.S. We help you choose the one that fits your plans.
You own the property yourself. This is the simplest way.
You own the property through a U.S. company (LLC). Talk to a tax advisor first. We do not give tax or legal advice.
DSCR means debt service coverage ratio. You qualify based on the rent the property can earn, not your personal income.
Many buildings in Miami and South Florida do not meet standard lending rules. We finance many of them. How we finance condos →
Talk with Neil by WhatsApp video or Zoom, at a time that works in your time zone. You can ask questions and see who you are working with.
We provide mortgage financing only. We do not provide immigration, visa, citizenship, tax, or legal advice. Buying U.S. property does not by itself provide residency or citizenship. Available to buyers from most countries. Eligibility varies by country and program.
Meet Neil
I've been in mortgage lending for 23 years. Today I focus on the loans many lenders turn away: Florida condos in buildings that don't meet standard rules, condotels, and buyers who live outside the U.S. My team and I look at your building and your situation first, then tell you plainly what it will take to close, or tell you early if it won't work. You can reach us by phone, WhatsApp, or video, in English or Spanish.
Complex loans, simple experience.
Do your clients want to buy property in the U.S.? Neil can be the U.S. financing partner for your clients. We explain the loan options in clear language, keep you informed, and work with your client's other advisors.
We do not pay referral fees.
Last reviewed by Neil Bourdelaise, NMLS #476326: October 5, 2026
Yes, in many cases. Foreign national loans are made for buyers who live outside the U.S. Eligibility depends on your country, the property, and the loan program. We finance properties in the states where Neil is licensed. Message us on WhatsApp and we will tell you which program fits.
Not always. Many of our foreign national programs do not require a U.S. credit history. Some programs do, or they ask for a credit report or a reference letter from your bank at home. We will tell you what your program needs before you start.
Not always. Many of our foreign national programs require no income documentation. Some programs do require it, depending on the property and the loan. When income documents are not required, the lender looks at other things, such as your down payment, your reserves, and, for a rental property, the expected rent.
No. Foreign national programs do not require a U.S. Social Security number. You will typically use your valid passport. Some programs may ask for other documents, and we will tell you before you start.
Yes. Our foreign national programs cover single-family homes and townhomes as well as condos and condotels, in the states where we're licensed. Requirements depend on the property type and program, so message us and we'll tell you what applies.
Yes, in many cases. Foreign buyers purchase condos in Miami often, with cash or with a loan. The building must also meet the lender's rules, and many Miami buildings do not meet standard rules. We review the building early, so you know where you stand before you sign.
Yes, in many cases. Many foreign national programs let you buy through a U.S. LLC. The way you own the property affects your taxes, so speak with a tax advisor who works with international buyers first. We do not give tax or legal advice.
Not always. Many closings can be signed from your country, at a U.S. embassy or consulate, or with a notary. Some lenders and title companies have their own rules, so we confirm your options early.
It depends on the program, the property, and your country. Foreign national loans usually need a larger down payment than loans for U.S. residents. Most programs also ask for reserves, which is money left in your account after closing. We will give you the exact amount for your situation after one conversation.
Yes. We meet by WhatsApp video or Zoom, at a time that works in your time zone. Book a video call, or send us a WhatsApp message to choose a time.
You call or message. Our team responds the same day during business hours.
We review your building and your situation, usually in one conversation.
You get a straight answer and a clear plan, or an honest no.
WhatsApp is the fastest way to reach us. If you prefer, send your details here and we will contact you.