Yes, Jamaican citizens can obtain a mortgage to purchase property in Florida. Jamaica has one of the largest Caribbean diaspora communities in South Florida, and many lenders offer programs tailored to Jamaican nationals. With your TRN, bank references, and proof of income, you can qualify for competitive financing with down payments starting at 25%.
25%
Minimum
Jamaican buyers typically need a 25% down payment, valid passport, TRN tax identification number, 12 months of bank statements from Jamaican institutions, 2-3 bank reference letters, proof of income (employment letter or tax returns), and a CPA letter. A US bank account is helpful but not always required at the application stage. Reserves of 12 months of mortgage payments must be verified.
The typical mortgage process for Jamaican buyers takes 30-45 days from application to closing. Pre-qualification can be done in 1-2 days, document collection takes 1-2 weeks, underwriting 2-3 weeks, and closing 1 week. Having all documents translated and notarized in advance can speed up the process significantly.
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.
Jamaican citizens can finance Florida property with a 25% minimum down payment using their TRN (Taxpayer Registration Number), Jamaican passport, bank statements from NCB or Scotiabank Jamaica, and a CPA letter. HFG International specializes in Jamaican buyer mortgages, serving one of the largest Caribbean diaspora communities in South Florida with programs for all visa types including ITIN.
Call Medardo F. Cevallos — he understands the Jamaica 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.
