Yes, Brazilian citizens can obtain a mortgage to purchase property in Florida. Brazil is one of the largest sources of foreign property buyers in Florida, and many lenders have well-established programs for Brazilian nationals. With your CPF number, Receita Federal tax returns, and bank references, you can qualify for financing with as little as 30% down. Both tourist visa holders and those with US work visas can apply.
30%
Minimum
Brazilian buyers need a minimum 30% down payment, valid passport, CPF number, 12 months of bank statements, Receita Federal tax declarations (IRPF), 2-3 bank reference letters, proof of income (holerites for employees, DECORE for self-employed), and a CPA letter. Brazil-specific: lenders are familiar with CPF-based documentation and Receita Federal filings, making the process more streamlined than many other countries.
The mortgage process for Brazilian buyers typically takes 30-45 days. Pre-qualification in 1-2 days, document collection 1-2 weeks, underwriting 2-3 weeks, closing 1 week. Brazilian documents are widely recognized by Florida lenders, which can help speed up the process. Having your CPF documentation and IRPF ready in advance is key.
Contact us for a free consultation about your mortgage options as a foreign national buyer.
We review your financial profile and determine your estimated loan eligibility and terms.
Gather your country-specific documents with our personalized checklist and expert guidance.
Submit your complete application package to our partnered lenders for review.
Your application is reviewed and approved. We handle all communication with the lender.
Sign your documents and receive your keys. Remote closing options are available.
Brazilian citizens can finance Florida real estate with as little as 30% down through HFG International, using their CPF number, Receita Federal IRPF tax declarations, and bank reference letters from Brazilian institutions. Brazil is one of the largest sources of foreign buyers in Florida, and HFG specializes in processing CPF-based documentation and DECORE income verification for a streamlined closing in 30-45 days.
Call Medardo F. Cevallos — he understands the Brazil mortgage process.
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