Foreign National Loan
Foreign National Refinance
Own a Florida second home or investment property and live outside the United States? Refinance it to change your rate or term, or take cash out, without U.S. credit or U.S. tax returns.
- ForNon-U.S. residents who own U.S. property
- OptionsRate-and-term or cash-out
- PropertySecond home or investment
- Income and assetsDocumented from where you live, or the property's rent on many programs
How It Works
Refinance from wherever you live.
A foreign national refinance replaces your current loan, or puts a loan on a property you own free and clear. The lender reviews the property, your equity and your documentation from where you live, much like a foreign national purchase.
- 01
We review the property and your goal
Whether you want a different rate or term, or cash out of your equity, we look at what you owe, the property's value and how it is used.
- 02
The lender reviews your documents
Expect a valid passport, international credit references, proof of assets and either income or, on many programs, the property's rent, and an appraisal of the property.
- 03
We price it across our lenders
Foreign national refinance guidelines differ by lender, including cash-out limits and reserves. We compare them and show you whether refinancing is worth it.
Program Highlights
Why owners abroad refinance.
- Allows buyers who live outside the U.S. to refinance U.S. properties
- Options for rate-and-term or cash-out
- Suitable for second homes and investment properties
- No U.S. credit or U.S. tax returns needed to qualify
- Can place a loan on a property you own free and clear
- Cash-out limits and reserves vary by lender
Common Questions
What owners abroad ask about refinancing.
Yes. Foreign national refinance programs let owners who live outside the U.S. refinance a second home or investment property, for a different rate or term or to take cash out, using documentation from where they live instead of U.S. credit and tax returns.
Often, yes. Many lenders offer cash-out refinancing on foreign national loans, usually with a lower limit than a rate-and-term refinance. The amount depends on the property's value, the lender and your documentation.
Yes. A cash-out refinance can place a loan on a property you own free and clear. Some lenders also offer delayed financing shortly after a cash purchase. We check which option fits your timeline.
Most lenders ask for a valid passport, and a visa where applicable, international credit references, proof of assets and either income or, on many programs, the property's rental income, statements for your current mortgage if you have one, and an appraisal of the property. Documents in another language usually need translation.
Some lenders allow refinancing in an LLC or other entity, usually with a personal guarantee. Rules vary by lender, so we confirm before you apply.
When the savings beat the cost. Divide your closing costs by your monthly savings to find your break-even month. If you plan to keep the loan well past that point, it is worth a look. Refinancing can also remove mortgage insurance, replace an adjustable rate or consolidate debt.
General information only, not a commitment to lend. Loan programs, guidelines, interest rates and terms are subject to change without advance notice.
State law restricts some real estate purchases by buyers domiciled in certain countries. Eligibility is confirmed before closing.
Refinance your Florida property across our lender network.
Tell us about the property, what you owe and what you want to do. We will show you which lenders fit and whether refinancing pays off.