International · Florida
Foreign National Second Home in Florida
Want a vacation home in Florida? Get financed without a U.S. credit score and enjoy a true second home.
Common challenges we solve
- Want to avoid all-cash purchase
- Need flexibility on visa status
- Wire and remote-closing logistics
What you get with Lumos
Financing options for second homes
Personal-name or LLC closings
Currency-flexible reserve documentation
What's different in Florida
A Florida second home doesn't qualify for the homestead exemption or the Save Our Homes cap, so its assessed value can rise faster than a primary residence's. Many vacation condos are in buildings subject to Florida's milestone inspection and SIRS reserve rules, which lenders review.
Loan programs that typically fit
Frequently asked
- Can I rent it part of the year?
- Occasional rental is fine on second-home programs; heavy rental requires investment financing.
- Will I need to travel for closing?
- No — we coordinate consulate or remote notarization.
