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Silver Star Mortgage stands ready to serve our customers with honesty, integrity and reliability. 

FN Loan Content

Silver Star Mortgage, LLC welcomes the opportunity to provide mortgage services to Foreign Nationals who want to purchase or refinance a home in the United States. Rest assured, we will work closely with you every step of the way to get you the right loan for your needs and your budget.

  • 75% LTV

  • No US credit required

  • DTI up to 50% considered

  • SFRs, townhomes, condos, 2-4 units

  • No SSN or ITIN required; must have a valid visa or Country waiver program

  • reserves required *Depend on country of origin

  • Non-warrantable condos considered

  • ARM or 30-year Fixed

  • Loans $75K up to $750,000  

  • Seller concessions to 2%

Call a loan officer with questions or to get started.


Mon.–Fri. 8 a.m.–8 p.m. ET 
Sat–Sun. 9 a.m.–6:30 p.m. ET

Foreign National Loan Items

Loan amount

$100K to $10 millon

3/1, 5/1,  7/1 ARM or 30 year fixed


  • Up to 70%

Residential Property Types

  • Single Family Homes

  • Townhouses

  • Condominiums

  • Condo-hotels

  • New construction

Loan Types

  • Refinance

  • Refinance Cash-out

  • Investment

  • Second Home

Loan Types

  • Multifamily

  • Office Buildings

  • Retail Centers

  • Warehouses

  • Hotels

What is a Foreign National Mortgage?



Foreign National Mortgage is a  mortgage provided to an individual who is not a citizen of the United States of America. Certain terms and conditions must be met to qualify for this type of mortgage. The individual must be a resident of another country that frequents the United States often for business or vacation. A foreign buyer should expect to pay at least 30 percent of the value of the home as a down payment. The issuer of a foreign national mortgage will typically request financial reports from the borrower’s home country.

Bank’s definition of Foreign National

A foreign national is a person who is not a citizen of the host country in which he or she is residing or temporarily sojourning. However, the bank’s definition of foreign national is based on the source of income.

Financing for Foreign Nationals in Florida

We recognize that offering Real Estate financing for Foreign Nationals Investors is an intricate part of providing a comprehensive lending platform. While these transactions can be complex, our experienced underwriting and production teams will work with you, on a loan by loan basis, to assist you through the process of purchasing property in the US.


Questions about whether you qualify?

Our Home Loan Specialists are available 24/7 to answer any questions you have about the Foreign National Mortgage in Florida Program.

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