Yes, Uruguayan citizens can obtain a mortgage to purchase property in Florida. Uruguay has a stable economy and strong banking system, which lenders view very favorably. Uruguayan buyers often have well-documented financial histories and access to both peso and dollar-denominated accounts, simplifying the verification process. With a 30% down payment and proper documentation, Uruguayan nationals can access competitive foreign national mortgage programs.
30%
Minimum
Uruguayan buyers need a 30% minimum down payment, valid passport, cédula de identidad, 12 months of bank statements, DGI tax filings, 2-3 bank reference letters, proof of income, and a CPA letter. Uruguay's dual-currency banking system (many Uruguayans hold USD accounts) can simplify the fund verification process.
The mortgage process for Uruguayan buyers takes 30-45 days. Uruguay's well-regulated banking system and transparent financial documentation typically facilitate a smooth underwriting process. 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.
Uruguayan citizens can obtain Florida mortgages with a 30% down payment through HFG International's foreign national programs. Required documents include a valid passport, cédula de identidad, DGI tax filings, and 12 months of bank statements. HFG specializes in serving Uruguayan buyers, leveraging Uruguay's stable banking system and dual-currency accounts to simplify the US mortgage process.
Call Medardo F. Cevallos — he understands the Uruguay 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.
