Yes, citizens of Trinidad & Tobago can obtain a mortgage to purchase property in Florida. There is a well-established Trinidadian community in South Florida, and many lenders have programs designed for Caribbean nationals. With your BIR number, bank references, and proof of income, you can qualify for financing with down payments starting at 25%.
25%
Minimum
Trinidadian buyers typically need a 25% down payment, valid passport, BIR tax identification number, 12 months of bank statements from Trinidad & Tobago institutions, 2-3 bank reference letters, proof of income (employment letter or tax returns), and a CPA letter. A US bank account is helpful but not always required at the application stage. Reserves of 12 months of mortgage payments must be verified.
The typical mortgage process for Trinidadian buyers takes 30-45 days from application to closing. Pre-qualification can be done in 1-2 days, document collection takes 1-2 weeks, underwriting 2-3 weeks, and closing 1 week. Having all documents translated and notarized in advance can speed up the process significantly.
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.
Trinidad & Tobago citizens can finance Florida property with a 25% minimum down payment using their BIR (Board of Inland Revenue) tax number, TT passport, bank reference letters, and proof of income in TTD. HFG International specializes in Trinidadian buyer mortgages, with expertise in energy sector income documentation and the well-established TT community in South Florida.
Call Medardo F. Cevallos — he understands the Trinidad & Tobago mortgage process.
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