Yes. Buyers who live in Ireland 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 Ireland look at Florida
Like many UK families, Irish buyers often look for a pool villa near Orlando for family holidays, rented out when they are away.
What the lender will ask for
- Your valid passport, and your visa if you have one.
- Recent bank statements from your accounts in Ireland.
- A reference letter from your bank.
- A credit report from Ireland if one is available, or other proof of how you pay your debts.
- Proof of where the down payment comes from.
Moving money from Ireland
Your down payment and closing costs are paid in US dollars, so your euros must be converted. Euro transfers from an Irish bank are routine. Your documents are already in English, which saves time.
Many terms on our UK buyers page apply to Irish buyers too, such as villa, holiday home and letting it out.
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 Ireland 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 Ireland 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 Ireland get a mortgage in Florida?
Yes. Some US lenders finance buyers who live in Ireland, 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.