International buyers face unique challenges when financing U.S. real estate — no U.S. credit history, complex documentation requirements, and lenders who simply say no. At 1st Capital Group, we specialize in solving exactly these problems. With access to over 60 wholesale lenders offering foreign national programs, we match international buyers with the right financing for their situation. Whether you are purchasing a vacation home, investment property, or commercial real estate anywhere in Florida, we have a program that works.
Licensed in Florida
All 67 Florida Counties
60+ Wholesale Lenders
Equal Housing Opportunity
Why International Buyers Choose Florida
Florida is the number one destination for international real estate buyers in the United States. Foreign buyers purchased $11.8 billion in Florida real estate during the most recent reporting period, representing 21% of all international residential purchases nationwide. The state attracts strong demand from Canadian, Latin American, European, and UK buyers drawn by warm climate, no state income tax, world-class amenities, and a well-established international community.
Yet most foreign nationals hear the same thing from traditional lenders: you need a Social Security number, U.S. credit history, and domestic income verification. None of that is true when you work with a lender who understands the non-QM market. 1st Capital Group connects you to programs designed specifically for international buyers — programs that evaluate your global financial profile, not just your U.S. footprint.
Our Foreign National Mortgage Programs
DSCR Investment Loans
Qualify based on the property’s rental cash flow — not your personal income. No W-2s, no tax returns, no U.S. income verification required. The most popular program for foreign national investors.
80% LTV Purchase Program
Finance up to 80% of the property value with just 20% down. No private mortgage insurance. Full documentation and stated documentation options available.
Super Jumbo (70% LTV)
Loan amounts up to $50 million for high-value properties. 30% minimum down payment with up to 6% seller concession toward closing costs. Available nationwide.
Canadian Citizen Mortgage
Up to 75% LTV at competitive rates. Available in all 50 states with additional programs for South Florida tri-county area. 30-45 day closings.
UK Citizen Mortgage
Second home and vacation property financing for British citizens and residents. Up to 75% LTV on single-family homes, approved condominiums, and townhomes.
Investment / Buy-to-Let
Foreign national investment mortgage available in all 50 states. One of the few programs that covers condo hotels (condotels) and non-warrantable condominiums.
ITIN Mortgage
Tax ID financing for Florida properties. Loan amounts from $100,000 to $7 million+. Available across all 67 Florida counties.
No Doc / Stated Income
Minimal documentation with verified liquid assets. No W-2s, no pay stubs, no IRS tax returns. Available for both foreign nationals and U.S. citizens.
Program Comparison
| Program | Min. Down Payment | Max Loan Amount | U.S. Credit Required? | Property Types |
|---|---|---|---|---|
| DSCR Investment | 25% | $3M+ | No | 1-4 Unit Investment |
| 80% LTV Purchase | 20% | Call for details | No | Second Home, Vacation, Investment |
| Super Jumbo (70%) | 30% | $50M | No | Single Family, Approved Condos |
| Canadian Citizen | 25% | Call for details | No | Single Family, Condos, Townhomes |
| UK Citizen | 25-30% | $10M+ | No | Second Home, Vacation |
| Investment / Buy-to-Let | 25% | $3M+ | No | Investment, Condotels, Non-Warrantable |
| ITIN | Varies | $7M+ | No | Florida Properties |
| No Doc / Stated | 40% | $5M+ | No | Single Family, Condos, Townhomes (FL) |
All terms subject to lender underwriting approval. Call for current rates and detailed program guidelines.
How It Works
Free Consultation
Call (954) 300-1287 or fill out our pre-qualification form. We discuss your goals, property type, budget, and timeline to identify the best program for your situation.
Document Collection
We guide you through exactly what documentation is needed for your specific program. Most programs require a valid passport, bank statements showing funds for down payment and reserves, and credit references from your home country.
Underwriting
Your application is submitted to the lender best suited for your profile. Many programs offer 72-hour underwriting turnaround. We manage the process and keep you informed at every step.
Closing
Average closing time is 30-45 days from application. Remote closing options are available for buyers who cannot be physically present in the United States.
Why Choose 1st Capital Group
60+ Wholesale Lenders
We shop across our network of over 60 lenders — including Angel Oak, Deephaven, and Griffin Funding — to find the best terms for your situation.
All 67 Florida Counties
Licensed statewide, not just Miami or South Florida. Whether you are buying in Jacksonville, Tampa, Orlando, Naples, or anywhere in between, we cover it.
Personal Service
You work directly with Nick Lazarevic (NMLS #38639), not a call center. One point of contact from consultation through closing.
15+ Years of Experience
Deep expertise in foreign national lending with a track record of closing complex transactions that other lenders turn away.
No U.S. Credit Required
Every program we offer is designed for buyers without a U.S. credit history or Social Security number.
Eligible Visa Types
Foreign nationals with the following visa types or statuses are eligible for our mortgage programs:
B-2 Tourist / Pleasure
H-2, H-3 Temporary Worker
I Media / Journalist
J-1, J-2 Exchange Visitor
O-2 Extraordinary Ability
P-1, P-2 Athlete / Entertainer
R-1 Religious Worker
VWP Visa Waiver Program
Canadian No Visa Required
ITIN Tax ID Holders
Options for Canadian Buyers, Investors, and Vacation Homes
Foreign national borrowers do not need U.S. citizenship, a Social Security number, or established U.S. credit for many programs. Lenders can review passport or visa documentation, assets, international credit references, and the property purpose to match the right option.
Canadian buyers often use these programs for Florida vacation homes, second homes, condos, and investment properties. Investors may also qualify through DSCR options when rental income supports the payment.
Frequently Asked Questions
Can I get a mortgage in the U.S. without a credit history?
Yes. All of our foreign national programs are designed for buyers who do not have a U.S. credit history. In most cases, we use credit references from your home country — such as credit cards, mortgages, car leases, or utility bills — to establish your creditworthiness.
What down payment do foreign nationals need?
Down payment requirements range from 20% to 40% depending on the program. Our most popular program (80% LTV) requires just 20% down. DSCR investment loans typically require 25-30% down.
Can I buy investment property as a foreign national?
Absolutely. Investment properties are our specialty for foreign national buyers. DSCR loans are specifically designed for this purpose — they qualify you based on the property’s rental income rather than your personal income.
Do I need a U.S. bank account?
Most programs require a U.S. bank account for ACH mortgage payment setup. We can guide you through opening one — it is a straightforward process that can often be completed before closing.
What are the interest rates for foreign national mortgages?
Rates vary by program, loan amount, down payment, and property type. Foreign national rates are competitive with domestic non-QM products. Call (954) 300-1287 for a personalized rate quote based on your specific scenario.
Can I finance a condo?
Yes, most programs accept approved condominiums. Some programs also accept condo hotels (condotels) and non-warrantable condominiums. Condo eligibility depends on the specific development — call us to pre-qualify the condo project before making an offer.
How long does the process take?
Most foreign national mortgage transactions close within 30-45 days from application. Some programs offer 72-hour underwriting decisions. Complex transactions or super jumbo loans may take slightly longer.
Can I get a mortgage for a property in any Florida city?
Yes. Nick Lazarevic is licensed to originate mortgages across all 67 Florida counties. Whether you are purchasing in Miami, Fort Lauderdale, Tampa, Orlando, Jacksonville, Naples, Sarasota, or any other Florida city, we can help.
What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the rental property’s cash flow rather than personal income. If the property’s rental income covers the mortgage payment and expenses, you can qualify — regardless of where your personal income comes from. Learn more about DSCR loans for foreign nationals.
Do you work with Canadian, UK, and Latin American buyers?
Yes, we work extensively with buyers from Canada, the United Kingdom, Colombia, Brazil, Argentina, Mexico, and throughout Latin America and Europe. We have dedicated programs for Canadian citizens and UK citizens with terms tailored to their documentation.
Can I close remotely?
Yes, remote closing options are available for buyers who cannot travel to the United States for the closing. We coordinate with title companies that offer remote notarization and international document execution.
Ready to Finance Your Florida Property?
Get a free consultation with Nick Lazarevic. We will review your situation, identify the best program from our network of 60+ lenders, and give you a clear path to closing.
Related options: compare DSCR loans, bank statement loans, and 1099 income loans for complex borrower scenarios.
1st Capital Group as dba of GFL Capital Mortgage Inc | Company NMLS #64367 | Nick Lazarevic NMLS #38639 | Licensed Mortgage Lender | Equal Housing Opportunity | All loans subject to lender underwriting approval. Programs, rates, terms, and conditions are subject to change without notice. Not a commitment to lend.