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Miami financing, including foreign-national files.
The Miami market — and how we finance it.
Miami is an international market where a substantial share of buyers are foreign nationals or self-employed business owners, and where condo financing carries complications most lenders handle badly — reserve studies, structural inspections, and association budgets all affect whether a building is warrantable. Insurance costs have risen sharply and materially affect what buyers can afford.
Foreign-national buyers, self-employed business owners, condo purchasers across the coastal corridor, and investors financing both long-term and short-term rentals.
Licensed in Florida. Ignite Loan Partners, NMLS #2381991. Equal Housing Opportunity.
Popular loan programs in Miami.
Miami mortgage questions.
Can you finance a Miami condo?
Often, but the building matters as much as the borrower. Warrantability, reserve funding, structural reporting, and litigation all affect eligibility. We check the building early so you're not surprised late in the file.
Do you work with foreign-national buyers?
Yes. Foreign-national programs qualify without U.S. credit or U.S. tax returns, typically with a larger down payment. It's a common file for us in this market.
Michael Kerby
Founder & President · NMLS #1163561
A decade-plus of mortgage leadership, focused on communication and on-time closings. Serving Miami, Florida and the surrounding market.
Buying or refinancing in Miami?
Start a quick, no-pressure application and we'll map the right path for your Miami purchase or refinance.