david.nataf@orbismortgage.com+1 (888) 640-6592
🏦 Bank Financing • Not Hard Money

Foreign National Bank Mortgage
for Canadians Buying in Florida

Direct bank financing with competitive rates. Up to 75% LTV. No U.S. credit required. Licensed specialist with dual Canadian-US expertise.

NMLS Licensed

Florida NMLS #2613311

Dual Expertise

Canadian & U.S. systems

Bank Rates

Not hard money lenders

Bank Financing for Canadian Citizens

Loan Terms

  • Up to 75% LTV on purchase or refinance
  • No U.S. credit history required
  • ITIN or SSN accepted
  • 30-year fixed or ARM options

Property Types

  • Single-family homes
  • Condos (warrantable)
  • Townhouses
  • Investment properties

Simple 4-Step Process

1

Apply Online

15-minute application

2

Submit Documents

Canadian docs accepted

3

Get Approved

7-14 day timeline

4

Close & Own

45-60 days total

Frequently Asked Questions

Do I need U.S. credit history?

No. We work with lenders who accept Canadian credit reports and banking history. Your Canadian Beacon score can be used to qualify.

What's the minimum down payment?

25% down payment (75% LTV) for most foreign national programs. Some lenders offer up to 80% LTV for strong profiles.

Can I use this for investment properties?

Yes. Foreign national mortgages work for both primary residences and investment properties in Florida.

How long does approval take?

Pre-approval in 7-14 days. Full closing in 45-60 days from application to keys in hand.

Ready to Buy Your Florida Property?

Get expert guidance from a dual-licensed specialist who understands both Canadian and U.S. systems.