Foreign National Loans Florida | No U.S. Credit Needed | Ronald Cepeda
Pioneer Mortgage Funding · Foreign National Loans

Own Florida Real Estate. No U.S. Credit Required.

Financing for non-U.S. citizens investing in Florida — no Social Security number, no U.S. credit history, no problem. A clear, broker-guided process from anywhere in the world.

✓ No U.S. credit needed✓ No SSN required✓ Purchase from abroad
Start My U.S. Purchase

Takes 60 seconds · No credit pull · No obligation

Why This Program

Built for exactly your situation

1

No U.S. Credit History

Your passport and home-country documentation open the door. We don't need a FICO score to get you financed.

2

Primary, Second Home, or Investment

Buy a Miami condo, a vacation home, or an income property — programs exist for every purpose.

3

Close From Anywhere

Power of attorney and remote closing options mean you may never need to leave your home country.

4

Condo Specialists

Deep experience with Florida condos — including new construction and non-warrantable buildings other lenders decline.

Client Scenario

From Bogotá to Brickell — no U.S. credit needed

Mariana, an executive in Colombia, wanted a Brickell condo for her daughter attending university in Miami. No Social Security number, no U.S. credit history — two banks wouldn't even open a file. Using her passport, a credit reference letter from her home country, and verified funds, we matched her with a foreign national lender. She closed on the $520,000 condo without ever needing U.S. credit.

$520K
Purchase Price
30%
Down Payment
32
Days to Close

Illustrative scenario based on real client situations; names and details changed for privacy. Individual results vary. All loans subject to approval.

The Process

Three steps to the closing table

1

Tell Us Your Goal

A quick call or chat about the property and your situation — English and Spanish spoken.

2

Simple Documentation

Passport, proof of funds, and income documentation from your home country. We guide you through every item.

3

Close With Confidence

We match you to the right foreign national lender and manage the transaction to the closing table.

Client Reviews

100+ five-star Google reviews

★★★★★

"Ronald is top notch! We finished two closings at the same time. His communication skills are what gets the work done!"

— Lina María Vergara
★★★★★

"Great experience working with Ronald. Transparency was given throughout the whole process. Thank you PMF team!"

— Andrew Puebla
Read all reviews on Google →
Get Started

Start My U.S. Purchase

Ronald Cepeda

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Common Questions

Foreign National Loans FAQ

Can a foreign national get a mortgage in Florida?

Yes. Foreign national loan programs allow non-U.S. citizens to finance Florida real estate without a Social Security number or U.S. credit history, using alternative documentation.

What down payment is required?

Most foreign national programs start around 25–30% down, depending on the property type and loan size.

Do I need a U.S. visa?

Requirements vary by program. Many lenders accept borrowers on visitor visas or with no U.S. status at all — we'll match you to the right one.

Can I buy a pre-construction condo?

Yes — this is one of our core specialties, including non-warrantable and new construction projects in South Florida.