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HFG International
Miami-Dade County, Florida

Foreign National Mortgages in Miami, Florida

Buy property in Miami as a foreign national. Specialized financing with 20+ years of experience.

Call (954) 370-4849Schedule a Consultation

Miami

Miami is the vibrant heart of South Florida, a global gateway city where Latin American, Caribbean, and European cultures converge. With neighborhoods ranging from the artsy streets of Wynwood to the historic charm of Little Havana, Miami offers foreign buyers an unmatched diversity of lifestyle options and investment opportunities.

Why Buy in Miami?

Miami is one of the most internationally connected cities in the United States, with direct flights to virtually every major city in Latin America and Europe. The city's real estate market benefits from constant global demand, creating strong appreciation and rental income potential. Miami's zero state income tax, world-class dining, art scene, and year-round tropical climate make it a magnet for foreign nationals seeking both a lifestyle upgrade and a smart investment.

Price Range

From $350,000

To $1,200,000

Property Types

CondoSingle FamilyTownhouse

Top Nationalities

ColombianVenezuelanCubanArgentineBrazilian

Popular Neighborhoods

  • Little Havana
  • Wynwood
  • Edgewater
  • Midtown
  • Design District
  • Little Haiti

Why Invest in Miami

1

Global gateway city with constant international demand driving property values upward

2

Strong short-term rental market — Miami is one of the top Airbnb markets in the US

3

Massive infrastructure investments including Brightline rail and Miami Worldcenter development

4

No state income tax makes Miami especially attractive for foreign investors and entrepreneurs

Nearby Attractions

Wynwood Walls — World-famous outdoor street art museum and gallery district
Pérez Art Museum Miami (PAMM) — Waterfront contemporary art museum in Museum Park
Calle Ocho (Little Havana) — Iconic Cuban cultural corridor with restaurants, cigar shops, and live music
Miami Design District — Luxury shopping, dining, and art galleries in a walkable neighborhood

FAQs About Miami

Can a foreign national get a mortgage to buy property in Miami?
Yes. Foreign nationals can absolutely obtain mortgage financing in Miami. Specialized foreign national loan programs typically require 25-30% down payment and accept international income documentation such as bank statements, tax returns from your home country, or CPA letters. Home Financial Group works with lenders experienced in foreign national lending to secure competitive rates.
Which Miami neighborhoods are best for foreign buyers?
It depends on your goals. Edgewater and Midtown offer modern condos with bay views at mid-range prices, ideal for investors. Wynwood is great for younger buyers who want walkability and culture. Little Havana offers the most affordable entry point with strong appreciation potential. The Design District appeals to luxury buyers. Each neighborhood has a distinct personality and price point to match different budgets.
What are property taxes like in Miami?
Property taxes in Miami typically range from 1.8% to 2.3% of assessed value annually. For a $500,000 property, expect to pay approximately $9,000-$11,500 per year. Foreign nationals who do not use the property as their primary residence will not qualify for Florida's Homestead Exemption, resulting in higher effective tax rates. However, there is no state income tax, which often offsets this cost for international investors.
Is Miami a good city for rental income?
Miami is one of the strongest rental markets in the United States. The city attracts a constant flow of professionals, students, digital nomads, and tourists. Depending on the neighborhood and property type, investors can earn 5-8% gross rental yields. Short-term vacation rentals through platforms like Airbnb can generate even higher returns in tourist-friendly areas like Wynwood and Edgewater, though local regulations should be carefully reviewed.
How does the home buying process work for foreigners in Miami?
The process is straightforward. First, you'll get pre-approved for a foreign national mortgage, which requires a valid passport, proof of funds for the down payment, and income documentation from your home country. Then you work with a real estate agent to find properties, make an offer, and go under contract. Closing typically takes 30-45 days. You'll need a US bank account for the transaction. Home Financial Group guides foreign buyers through every step of this process.

Ready to Buy in Miami?

Call Medardo F. Cevallos — foreign national mortgage expert in Miami.

Call (954) 370-4849Schedule a Consultation

Other Cities

BrickellMiami BeachCoral GablesDoral

Related Countries

🇨🇴
Colombia30% down
🇻🇪
Venezuela30% down
🇦🇷
Argentina30% down
🇧🇷
Brazil30% down