How a Brazilian Investor Refi’d Her Miami Home Without U.S. Credit
- By Jim Blackburn
- on
Client Profile
- Name: Camila B.
- Age: 45
- Nationality: Brazilian (São Paulo-based architect)
- Location of Property: Miami, FL
- Property Type: Luxury condo in Brickell
- Original Purchase Price: $685,000
- Appraised Value at Refi: $880,000
- Cash-Out Amount: $120,000
- Loan Type: Foreign National Refinance Loan
- Credit Score: No U.S. credit file
The Challenge
Camila purchased a Miami condo as a second home two years prior. With the market appreciation and favorable exchange rates, she wanted to pull equity to invest in additional projects—but had no U.S. credit score or tax returns.
She needed a solution that allowed her to refinance without the friction of conventional documentation.
The Strategy
We refinanced Camila through a Foreign National Refi program, designed specifically for non-resident borrowers.
Key features:
- No U.S. credit score required
- No SSN or U.S. tax returns
- Approved using foreign bank statements and property rental performance
- Cash-out wired internationally after closing
- Title and closing handled by a bilingual Miami-based attorney
The Outcome
- Cashed out $120,000, tax-free and fully compliant
- Funds reinvested into a beachfront development in Bahia, Brazil
- Maintained Florida property with increased equity and positive cash flow
- Process completed in 21 business days
Quote from Camila:
“Everything was done professionally—even across borders. I didn’t need American credit to access the equity I had earned here.”
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