Loans for Non-U.S. Residents | Sunstate Bank
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Loans to Non-U.S. Residents

Finance U.S. Real Estate with Confidence - Even If You Don’t Live Here

Whether you're purchasing a vacation home in Florida, investing in rental property, or expanding your international portfolio, Sunstate Bank offers customized U.S. real estate loans for non-resident clients.

With decades of experience working with clients across Latin America, Europe, and beyond, we understand the complexities of financing in a foreign country - and we’re here to guide you every step of the way.

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Why Borrow from Sunstate?

Experience You Can Trust

We've helped hundreds of international clients successfully finance homes and investment properties in the U.S. - from Brazil to Colombia to Spain and beyond.

Accepted International Documentation

We work with tax returns, bank statements, and IDs from your home country. We’ll guide you on exactly what’s needed.

Flexible Loan Programs

Residential, investment, condo, multi-unit - we help you finance the property that fits your goals.

Multilingual Support

Our team speaks English, Spanish, and Portuguese - and we understand international expectations.

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Designed for International Investors

  • You do not need to be a U.S. citizen or resident
  • Use foreign income and documentation for approval
  • No U.S. credit history required
  • Loans available for residential and investment properties
  • Local underwriting with a personal approach

The exterior of condo buildings in Miami

Commmon Use Cases

  • Buying a vacation home in Florida
  • Acquiring rental property or Airbnb units
  • Investing in residential real estate as part of a family estate strategy
  • Diversifying capital out of local markets into the U.S.
  • Creating a financial footprint in the U.S.

Why International Clients Choose Sunstate

  • Over 20 years of experience serving non-resident clients
  • Clear process, flexible underwriting, and local decision-making
  • Trusted by clients from Brazil, Argentina, Mexico, Spain, and more
  • In-house loan specialists and relationship managers
  • Fast responses and personalized service - not a call center

Loan Overview

Loan Types Residential, investment, second home
Loan Purpose Purchase or refinance
Property Location Florida
Borrower Type Foreign nationals (non-resident, non-citizen)
Down Payment Usually 30% or more (varies by property and borrower profile)
Application Process Remote or in-person onboarding available

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What You’ll Need to Apply

We’ll help you gather and submit everything - often without needing to travel.

Typical documentation includes:

  • Two forms if identification (passport, ID, driver’s license)
  • Proof of income (tax returns or bank statements)
  • Source of down payment
  • Credit reference (if available)
  • Business or property purpose narrative (if for investment)
  • U.S. entity documents (if using a U.S. LLC or corporation)

We provide a step-by-step checklist based on your profile and country.

Ready to Finance Property in the U.S.?

Speak with a Premier Lending Specialist. We’ll walk you through the loan options, answer your questions, and help you take the next step toward owning property in the U.S. Offices in Coral Gables, West Miami, and The Falls. Remote onboarding available.

Speak with a Premier Lending Specialist

*For full account disclosures, please call or stop into one of our branches. All loans are subject to credit approval. Terms may vary based on creditworthiness and collateral.