Yes, Ecuadorian citizens can obtain a mortgage to purchase property in Florida. Ecuador has a growing community in South Florida, and an advantage for Ecuadorian buyers is that Ecuador uses the US dollar as its official currency, which simplifies financial documentation and fund transfers. With a 30% down payment, proper documentation from the SRI, and bank references, you can qualify for competitive financing.
30%
Minimum
Ecuadorian buyers need a 30% minimum down payment, valid passport, cédula de identidad, 12 months of bank statements, SRI tax filings, 2-3 bank reference letters, proof of income, and a CPA letter. Since Ecuador uses the US dollar, fund transfers are more straightforward than for other Latin American countries, and income documentation is easier for lenders to evaluate.
The mortgage process for Ecuadorian buyers takes 30-45 days. The use of US dollars in Ecuador simplifies the financial verification process, potentially speeding up underwriting. Pre-qualification in 1-2 days, document collection 1-2 weeks, underwriting 2-3 weeks, closing 1 week.
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.
Ecuadorian citizens can finance Florida real estate with as little as 30% down through HFG International, with the unique advantage that Ecuador's dollarized economy eliminates currency conversion complications. Using their Cédula de Identidad, SRI tax filings, and bank statements already denominated in USD, Ecuadorian buyers enjoy one of the most streamlined foreign national mortgage processes, with HFG delivering closings in 30-45 days.
Call Medardo F. Cevallos — he understands the Ecuador mortgage process.
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