Yes. Buyers who live in Argentina can buy and finance a home in Florida through lenders that make foreign national loans. You usually do not need US credit or a Social Security number. Expect a larger down payment and a higher rate than a standard US loan.
Why buyers from Argentina look at Florida
Buyers from Argentina often want a home in dollars and a place to stay during long visits, in Orlando or South Florida.
What the lender will ask for
- Your valid passport, and your visa if you have one.
- Recent bank statements from your accounts in Argentina.
- A reference letter from your bank.
- A credit report from Argentina if one is available, or other proof of how you pay your debts.
- English translations of documents that are not in English. Most lenders want a certified translation.
- Proof of where the down payment comes from.
Moving money from Argentina
Your down payment and closing costs are paid in US dollars, so your Argentine pesos must be converted. Argentina has changed its foreign exchange rules several times in recent years. Check the current rules with your bank before you move money, and keep a clear paper trail for the lender.
Using it and renting it out
If the home will be rented, a DSCR loan can qualify it on its expected rent. Rental rules depend on the exact address, so check Florida short term rental rules before you choose a home.
Visas and residency
Buying a home in the US does not by itself give you a visa or the right to live or work here. Talk with a US immigration attorney about visas.
Taxes, in plain words
US tax basics from the IRS: rental income from US property owned by a nonresident is taxed at 30% of the gross rent by default, unless you elect to be taxed on net income and file a US return (Form 1040-NR). When a foreign owner sells, the buyer generally must withhold 15% of the sale price under FIRPTA. See the IRS pages on nonresident real property and FIRPTA withholding. A cross border tax adviser can tell you how this fits with your home country.
Check whether Argentina has an income tax treaty with the US on the IRS tax treaty page.
The steps
- Send me your plan: where, what price range and how you will use the home.
- I match you with lenders that finance buyers from Argentina and tell you what they will ask for.
- Gather your documents and start moving funds early.
- Find the home and sign the contract.
- Close. Many buyers sign closing documents abroad if the lender and title company allow it.
Back to foreign national loans · buyers by country
Home Loans With Dane is a US mortgage broker. This page is general information, not tax or legal advice. Talk with a tax adviser in both countries before you buy.
Common questions
Can someone from Argentina get a mortgage in Florida?
Yes. Some US lenders finance buyers who live in Argentina, usually without US credit. Expect a larger down payment and a higher rate than a standard US loan.
Do I need a Social Security number?
Usually not for a foreign national loan. Ask a tax adviser whether you need a US tax ID if you rent the home.
Does buying a home give me a visa?
No. Buying a home does not by itself give you a visa or residency. Talk with a US immigration attorney.