Yes, Italian citizens can obtain a mortgage to purchase property in Florida. Italy has a strong cultural connection to South Florida, and many Italian nationals have successfully purchased property here. As EU passport holders, Italian buyers benefit from well-regulated financial documentation through the Agenzia delle Entrate. With a 25-30% down payment, your Codice Fiscale, tax filings, and bank references, you can qualify for competitive foreign national mortgage programs.
25%
Minimum
Italian buyers need a 25-30% minimum down payment, valid passport/Carta d'Identità, Codice Fiscale, 12 months of bank statements, Agenzia delle Entrate tax filings (Modello 730 or Modello Redditi), 2-3 bank reference letters, proof of income (buste paga), and a commercialista letter. Italian financial documentation is well-structured and EU-regulated.
The mortgage process for Italian buyers takes 30-40 days. EU documentation standards facilitate efficient verification. 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.
Italian citizens can finance Florida property with a 25-30% down payment through HFG International's foreign national mortgage programs. Key documents include the Codice Fiscale, Modello 730 or Modello Redditi from the Agenzia delle Entrate, buste paga, and 2-3 bank reference letters from Italian banks. HFG specializes in Italian buyer transactions with expertise in Agenzia delle Entrate documentation and cross-border estate planning.
Call Medardo F. Cevallos — he understands the Italy 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.
