Specialized mortgage financing for Canadians, foreign nationals, and international investors purchasing property in Boca Raton and throughout Sud de la Floride. Dual-licensed in Florida and Quebec.
David Nataf, Mortgage Loan Originator (NMLS #2613311)
Offices in Boca Raton, FL and Montreal, QC
Cross-border mortgage financing for Canadians buying property in the U.S.
Direct lender access | 888-640-6592
Boca Raton is one of the most sought-after real estate markets for Canadian buyers in all of Florida. Its combination of world-class beaches, prestigious golf communities, top-rated dining, and an established Canadian expat community has made it a primary destination for snowbirds, investors, and families looking to own property in Sud de la Floride.
But financing that purchase as a Canadian or foreign national is not simple. Standard US mortgage lenders in Boca Raton process domestic borrowers — they need a Social Security Number, a US credit score from Equifax or Experian, W-2 income documentation, and US-filed tax returns. If you do not have these, your application is declined or never started.
David Nataf at Cross Border Loans is based in Boca Raton and specializes exclusively in solving this problem. As one of the few mortgage professionals in the United States who holds both a Florida NMLS license (#2613311) and a Quebec AMF mortgage broker license (#3001986744), he operates at the intersection of Canadian and American mortgage systems. He does not handle domestic US mortgages. His entire practice is built around international buyers and cross-border transactions.
This specialization means our lender relationships, workflows, and underwriting strategies is designed for the foreign national buyer. When you call, you are not routed to a general loan officer who has to figure out how to handle a Canadian passport. You are working with someone who has structured numerous cross-border transactions and knows exactly which lenders, programs, and documentation approaches work for your specific scenario.
SSN typically not required. US credit generally not required. Passport and foreign credit report accepted. 25% minimum down. Up to $5M+ loan amounts. Single-family, townhome, condo, multi-family.
Canadian credit history accepted. T4 and NOA income documentation. Dual-licensed expertise in Canadian and US mortgage systems. 20-25% down for second homes.
Qualify on property rental income. No personal income docs. No tax returns. Ideal for Canadian investors buying Boca Raton rental properties. 25-30% down.
12-24 months Canadian or US bank statements. For self-employed entrepreneurs and business owners. No W-2s or tax returns required.
Financing for Boca Raton condos classified as non-warrantable due to litigation, reserves, investor concentration, or commercial space. Portfolio lender solutions.
Already own in Boca Raton? Refinance using Canadian documentation. Rate-and-term or cash-out. Consolidate higher-rate foreign national debt.
Cross Border Loans finances properties across all of Boca Raton's distinct neighborhoods and communities. The oceanfront corridor along A1A includes luxury high-rise condominiums and oceanfront single-family estates, many of which are classified as non-warrantable condos requiring specialized lender programs. The Royal Palm Yacht and Country Club area, Woodfield Country Club, Broken Sound, and St. Andrews Country Club attract high-net-worth Canadian buyers seeking golf community homes. The downtown Boca Raton area near Mizner Park and Camino Real offers walkable luxury living in newer condominium developments. West Boca communities including Boca Falls, Boca Winds, and Saturnia Isles provide family-oriented neighborhoods with newer construction. Boca Raton's Intracoastal Waterway properties offer deep-water access for boating enthusiasts with both single-family homes and waterfront condominiums.
Adjacent markets that Cross Border Loans serves from Boca Raton include Delray Beach — a vibrant Atlantic Avenue arts and dining district with strong Canadian buyer interest; Highland Beach — exclusive oceanfront condos and estates between Boca and Delray; Boynton Beach and Lantana — more affordable alternatives with growing rental markets; West Palm Beach and Palm Beach — ultra-luxury market for high-net-worth international buyers; and the entire Sud de la Floride tri-county area of Palm Beach County, Broward County, and Miami-Dade County.
Boca Raton has been a Canadian destination for decades, and several factors continue to drive demand. Direct and convenient air access via Palm Beach International Airport (PBI) and Fort Lauderdale-Hollywood International Airport (FLL) provides year-round connectivity to Montreal, Toronto, Ottawa, and other Canadian cities through Air Canada, WestJet, Flair Airlines, and seasonal charter operators. The established Canadian community in Boca Raton means services, social networks, and professional advisors familiar with Canadian needs are readily available. Florida's lack of state income tax provides tax efficiency for Canadian snowbirds spending extended periods in the state. And Boca Raton's combination of safety, amenities, climate, and real estate quality makes it consistently one of the most desirable addresses in Sud de la Floride.
For investors, Boca Raton's rental market is robust. Seasonal rentals during the November-through-April high season command premium rates, while year-round long-term rentals benefit from Sud de la Floride's strong population growth and limited housing supply. Canadian investors can leverage DSCR loan programs through Cross Border Loans to finance rental properties in Boca Raton without needing US income documentation.
Cross Border Loans maintains relationships with Sud de la Floride professionals who serve international and Canadian buyers, and can provide referrals to real estate agents experienced with cross-border transactions, cross-border tax specialists familiar with Canada-US tax treaty implications, US immigration attorneys for visa and residency questions, title companies experienced with foreign national closings, property management companies for investors not residing in Florida full-time, and insurance brokers who understand the coverage needs of foreign-owned properties.
Yes. David Nataf at Cross Border Loans operates from Boca Raton and specializes in cross-border mortgage financing for Canadians and foreign nationals. He holds Florida NMLS #2613311 and Quebec AMF #3001986744. Contact: 888-640-6592.
All of Sud de la Floride including Boca Raton, Delray Beach, West Palm Beach, Palm Beach, Jupiter, Fort Lauderdale, Hollywood, Miami, Miami Beach, and the entire tri-county area. Programs available statewide across Florida.
Direct flights from Canadian cities to PBI and FLL airports, an established Canadian community, no state income tax, prestigious communities, strong rental markets, and a combination of beach, golf, and luxury lifestyle that appeals to both snowbirds and investors.
Yes. Foreign national programs accept passport identification, foreign credit reports, and international bank statements. Down payments start at 25%. David Nataf specializes in these programs for the Boca Raton market.
Yes. Many Boca Raton condos are non-warrantable. Cross Border Loans has access to portfolio and non-QM lenders who finance these units for both foreign national and domestic borrowers, including oceanfront towers, Intracoastal buildings, and resort-style complexes.
David Nataf, Mortgage Loan Originator (NMLS #2613311)
Offices in Boca Raton, FL and Montreal, QC • Direct lender access
888-640-6592 • info@crossborderloans.ca