Yes, Nigerian citizens can obtain a mortgage to purchase property in Florida. Nigeria has one of the largest diaspora communities in the US, and many Nigerians invest in Florida real estate. With your NIN (National Identification Number), Nigerian tax returns, and bank references, you can qualify for financing with as little as 30% down. Lenders require thorough documentation of fund sources to comply with US regulations.
30%
Minimum
Nigerian buyers need a minimum 30% down payment, valid passport, NIN (National Identification Number), 12 months of bank statements, Nigerian tax returns (FIRS), 2-3 bank reference letters, proof of income, a CPA letter, and thoroughly documented proof of fund sources. Nigeria-specific: lenders may require additional due diligence on fund sourcing due to compliance requirements. Having funds in a domiciliary (USD) account in Nigeria can simplify the transfer process.
The mortgage process for Nigerian buyers typically takes 45-60 days. Pre-qualification in 1-2 days, document collection 2-3 weeks (additional time for fund source documentation), underwriting 2-3 weeks, closing 1 week. Nigerian buyers should begin gathering documentation early, particularly proof of fund sources, to avoid delays.
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.
Nigerian citizens can finance Florida property with a minimum 30% down payment using their NIN (National Identification Number), BVN, FIRS tax returns, and bank reference letters from banks like GTBank or Zenith. A domiciliary USD account simplifies fund transfers under CBN regulations. Lenders require thorough fund-source documentation. HFG specializes in Nigerian buyer mortgages, with expertise in CBN-compliant transfers and enhanced due diligence support for the large Nigerian diaspora community.
Call Medardo F. Cevallos — he understands the Nigeria 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.
