Yes, Indian citizens can obtain a mortgage to purchase property in Florida. Indian buyers are among the largest foreign buyer groups in US real estate, and many lenders have well-established programs for Indian nationals. With your PAN card, Indian tax returns (ITR), and bank references, you can qualify for financing with as little as 25% down. H1B visa holders from India represent one of the most active buyer segments in the US housing market.
25%
Minimum
Indian buyers need a minimum 25% down payment, valid passport, PAN card (Permanent Account Number), 12 months of bank statements, Indian income tax returns (ITR), 2-3 bank reference letters, proof of income (salary slips or Form 16), and a CPA letter. India-specific: the PAN card is essential as it links to your tax history. H1B visa holders may qualify for lower down payments through work visa programs.
The mortgage process for Indian buyers typically takes 30-45 days. Pre-qualification in 1-2 days, document collection 1-2 weeks, underwriting 2-3 weeks, closing 1 week. Indian documentation is well-recognized by US lenders due to the large volume of Indian buyers. Having your PAN card details and ITR filings ready in advance is essential.
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.
Indian citizens can finance Florida property with as little as 25% down using their PAN card, Aadhaar, ITR filings, and bank reference letters from banks like SBI or HDFC. H1B visa holders may qualify for down payments as low as 15%. Fund transfers are governed by the RBI's LRS limit of $250,000 per year. HFG specializes in Indian buyer mortgages, with deep expertise in both foreign national and H1B work visa programs.
Call Medardo F. Cevallos — he understands the India mortgage process.
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A detailed breakdown of down payment requirements for foreign national mortgages in Florida, organized by country and risk tier — plus tips to minimize your upfront costs.
