Yes, Irish citizens can obtain a mortgage to purchase property in Florida. Ireland's strong financial regulatory framework, English-language documentation, and EU membership make Irish buyers well-positioned for US mortgage approval. With a 25% down payment, proper Revenue Commissioners filings, and bank references, Irish nationals can access competitive foreign national mortgage programs. The long-standing cultural ties between Ireland and the US, particularly Florida, make it a natural destination for Irish property investors.
25%
Minimum
Irish buyers need a 25% minimum down payment, valid passport, PPS number, 12 months of bank statements, Revenue Commissioners tax filings, P60 or Employment Detail Summary, 2-3 bank reference letters, and a CPA letter. English-language documentation streamlines the process significantly compared to non-English-speaking EU countries.
The mortgage process for Irish buyers takes 30-35 days. English-language documentation and EU banking standards make verification straightforward. Pre-qualification in 1-2 days, document collection 1-2 weeks, underwriting 2-3 weeks, closing 1 week.
Contact us for a free consultation about your mortgage options as a foreign national buyer.
We review your financial profile and determine your estimated loan eligibility and terms.
Gather your country-specific documents with our personalized checklist and expert guidance.
Submit your complete application package to our partnered lenders for review.
Your application is reviewed and approved. We handle all communication with the lender.
Sign your documents and receive your keys. Remote closing options are available.
Irish citizens can finance Florida property with a 25% minimum down payment through HFG International's foreign national mortgage programs. Key documents include the PPS number, Revenue Commissioners tax returns (Form 11 or Form 12), P60/Employment Detail Summary, and bank reference letters. HFG specializes in Irish buyer transactions, with the major advantage that all Irish documentation is already in English, eliminating translation delays.
Call Medardo F. Cevallos — he understands the Ireland mortgage process.
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A detailed breakdown of down payment requirements for foreign national mortgages in Florida, organized by country and risk tier — plus tips to minimize your upfront costs.
