International Buyers

Foreign National Loans for International Buyers in Florida

Buying in Key West, the Florida Keys, or anywhere in Florida from abroad? International buyers can often finance US real estate through foreign national loan programs — frequently without a US credit score or Social Security Number.

Key West • Monroe County • Second Homes • Investment Property • Non-QM

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Can international buyers finance property in the Florida Keys?

Florida is one of the most popular destinations in the world for international buyers — and Key West and the Florida Keys attract second-home and investment buyers from across Europe, Latin America, and beyond. You do not always need to pay all cash.

Foreign national loan programs are designed for buyers who are not US citizens and may not have US credit, a Social Security Number, or US-based income. They use alternative documentation — your passport, income and bank references from your home country, and reserves — so qualified international buyers can finance a Florida purchase.

Who it may fit

Built for international & non-resident buyers

Second homes

Vacation & second homes

Buyers abroad purchasing a home in Key West or the Keys for personal use.

Investors

International investors

Financing rental or investment property; DSCR options may review the property’s income.

No US credit

No US credit or SSN

Buyers without a US credit score, Social Security Number, or US tax returns.

Side by side

Foreign national loan vs. traditional mortgage

Factor	Foreign National Loan	Traditional Mortgage
Citizenship / residency	Available to many non-US citizens and non-residents	Typically US citizens and permanent / non-permanent residents
US credit score	Often not required; foreign credit or references may be used	US credit score generally required
Social Security Number	Often not required	Usually required
Income documentation	Foreign income, bank references, reserves	US tax returns, W-2s, pay stubs
Down payment	Usually larger, depending on lender and scenario	Can be lower depending on the program
Property use	Often second home or investment property	Primary, second, or investment
Rates and costs	Usually higher (Non-QM)	Usually lower when the borrower qualifies

What you may need

Typical documentation

Valid passport (and visa if applicable)
Proof of income from your home country
International bank statements & reserves
A larger down payment
Foreign bank reference letter (sometimes)

Requirements vary by lender and program and are subject to underwriting review.

Why K West Mortgage

A multilingual team for international buyers

Local Key West & Monroe County focus
Powered by West Coast Capital Mortgage Inc. — working in Florida and California
Experience with Non-QM, foreign national, DSCR & jumbo
Assistance in English, Spanish, Russian & Chinese

Related: Non-QM · DSCR · Jumbo · Second Home

Next step

Buying from abroad? Let’s review your Key West scenario.

K West Mortgage helps international buyers understand foreign national, Non-QM, and DSCR options for property in the Florida Keys — in your language, before you move forward.

Contact K West Mortgage Review My Scenario

FAQ

Foreign national loans — common questions

Can a foreign national buy property in Florida with a mortgage?

Yes. Foreign national loan programs are designed for non-US citizens and non-residents who want to buy property in Florida, including Key West and Monroe County. Eligibility and terms vary by lender and are subject to underwriting review.

Do international buyers need a US credit score or SSN?

Often no. Many foreign national programs use a passport, foreign credit references, and international bank statements instead of a US credit score or Social Security Number. Requirements vary by lender.

How much down payment do foreign national buyers usually need?

Foreign national loans typically require a larger down payment than standard mortgages. The amount depends on the lender, property type, and borrower profile, and is subject to program guidelines.

Can I buy a Key West investment or second home as a foreign national?

Yes. Many international buyers purchase second homes or investment property in the Florida Keys. Depending on the scenario, foreign national or DSCR programs may fit.

What documents are usually needed?

Commonly a valid passport (and visa if applicable), proof of income from your home country, international bank statements and reserves, and sometimes a reference letter from your foreign bank. Requirements vary by lender.

Do you have team members who speak my language?

Yes. K West Mortgage, through West Coast Capital Mortgage Inc., can assist international buyers in English, Spanish, Russian, and Chinese.

This information is for educational purposes only and is not a commitment to lend, loan approval, or rate quote. Foreign national and Non-QM programs, rates, terms, down payment, reserves, and eligibility vary by lender, borrower profile, residency and documentation, property type, occupancy, and market conditions. All loans are subject to underwriting review and approval. Equal Housing Opportunity.