Yes, Nicaraguan citizens can obtain a mortgage to purchase property in Florida. The Nicaraguan community in South Florida has been growing steadily, particularly in Miami-Dade County, making Florida a top destination for Nicaraguan buyers and investors. With your cédula de identidad, bank references, and proof of income, you can qualify for financing with a typical 30% down payment. TPS holders, tourist visa holders, and US-based workers can all apply for mortgage programs.
30%
Minimum
Nicaraguan buyers need a 30% minimum down payment, valid passport, cédula de identidad ciudadana, RUC (if self-employed), 12 months of bank statements, 2-3 bank reference letters, proof of income (constancia laboral for employees, declaración de renta for self-employed), and a CPA letter. Nicaragua-specific: lenders are increasingly familiar with Nicaraguan documentation as the diaspora community in Florida continues to grow.
The mortgage process for Nicaraguan buyers takes 30-45 days. Pre-qualification in 1-2 days, document gathering 1-2 weeks, underwriting 2-3 weeks, closing 1 week. Document translation from Spanish to English may add a few extra days if not prepared in advance.
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.
Nicaraguan citizens can finance Florida property with a 30% minimum down payment using their Cédula de Identidad Ciudadana, RUC (if self-employed), constancia laboral, and bank statements from Banpro, BAC Nicaragua, or Banco Lafise. HFG International specializes in Nicaraguan buyer mortgages, including programs for TPS holders and ITIN applicants in the growing South Florida Nicaraguan community.
Call Medardo F. Cevallos — he understands the Nicaragua mortgage process.
ITIN mortgage programs allow foreign nationals living in the US without a Social Security Number to purchase a home. Here's everything you need to know about qualifying and applying.
Yes — citizens of many countries can purchase Florida real estate without a US visa through special no-visa mortgage programs. Learn who qualifies and how the process works.
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.
