Yes, Portuguese citizens can obtain a mortgage to purchase property in Florida. Portugal has a strong and growing community in the United States, and as EU passport holders, Portuguese buyers benefit from well-regulated financial documentation. The shared language with Brazil creates additional cultural connections in South Florida. With a 25-30% down payment, your NIF, tax filings from the Autoridade Tributária, and bank references, you can qualify for competitive foreign national mortgage programs.
25%
Minimum
Portuguese buyers need a 25-30% minimum down payment, valid passport/Cartão de Cidadão, NIF, 12 months of bank statements, AT tax filings (declaração de IRS), 2-3 bank reference letters, proof of income (recibos de vencimento), and a contabilista letter. EU passport and well-documented Portuguese financial system facilitate the process.
The mortgage process for Portuguese buyers takes 30-40 days. EU documentation standards facilitate efficient verification. 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.
Portuguese citizens can finance Florida property with a 25-30% down payment through HFG International's foreign national mortgage programs. Key documents include the NIF, declaração de IRS from the Autoridade Tributária, recibos de vencimento, Cartão de Cidadão, and 2-3 bank reference letters. HFG specializes in Portuguese buyer transactions with full Portuguese-language support and expertise in Autoridade Tributária documentation.
Call Medardo F. Cevallos — he understands the Portugal mortgage process.
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