Yes, Polish citizens can obtain a mortgage to purchase property in Florida. Poland's EU membership and growing economy make Polish buyers increasingly active in the US real estate market. With a 25% down payment, Urząd Skarbowy tax filings, and bank references, Polish nationals can access competitive foreign national mortgage programs. The large Polish-American community in the US, including Florida, provides a comfortable cultural bridge.
25%
Minimum
Polish buyers need a 25% minimum down payment, valid passport, PESEL number, 12 months of bank statements, Urząd Skarbowy tax filings (PIT declaration), income certificates, 2-3 bank reference letters, and a CPA letter. Documents in Polish will need certified English translations.
The mortgage process for Polish buyers takes 30-45 days. Polish-language document translation adds 3-5 days. 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.
Polish citizens can purchase Florida real estate with a 25% minimum down payment through HFG International's foreign national mortgage programs. Key documents include a valid passport, PESEL number, PIT annual tax declarations from the Urząd Skarbowy, ZUS contribution records, and bank references from Polish institutions. HFG specializes in Polish buyer documentation and PLN-to-USD fund transfers.
Call Medardo F. Cevallos — he understands the Poland mortgage process.
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