Sonny Florida
Sonny Florida
Financing Your Investment in Miami
Access US mortgages with competitive terms designed for international buyers and foreign nationals. We simplify the process so you can focus on your Miami dream.
Foreign National Program Snapshot
- Minimum Down Payment: Typically 30%
- Amortization Period: Flexible 15 to 30 years
- Loan Types: Available for residential and investment properties
- Competitive Terms: Access interest rates similar to domestic mortgages.
*Specific terms are subject to lender review and credit analysis.
Key Benefits of Financing
- Competitive rates and specialized, Spanish-speaking advisory.
- Tailored financing programs specifically for foreign nationals.
- Flexibility to hold title under a personal name or a corporation (LLC).
U.S. Citizen & Resident Programs
For U.S. Citizens and Permanent Residents (Green Card holders), conventional and government-backed loan options offer highly advantageous terms:
Down Payment: As Low as 2-5%*
Access to FHA/VA Loans
*Down payment minimums vary based on loan type (FHA, Conventional, VA), credit score, and occupancy (primary residence vs. investment).
Basic Requirements for Qualification (All Applicants)
Income Verification
Income letter from CPA or employer, covering the last 2 years.
Verifiable Funds
Proof of funds for down payment + 6 months of mortgage reserves.
Bank Reference
Formal bank reference letter demonstrating good standing (required for foreign nationals).
ID & Documents
Passport/visa copies; corporate documents if purchasing under an entity.
How the Financing Process Works
Complete Application
We guide you in collecting all necessary documentation for submission to the lender.
Pre-Approval & Terms
The lender confirms the precise loan amount, interest rate, and final terms of the mortgage.
Complete Application
We guide you in collecting all necessary documentation for submission to the lender.
Sonny Florida © 2025
Where Lifestyle Meets Investment
Contact Info:
Sonny Pezzente
Based in Florida, USA