Operating since 2006, and located in the city of Miami, Florida, the main purpose of the Representative Office is to make Banco Ficohsa’s banking services available to the Honduran community living abroad, mainly in the United States. The Representative Office is regulated by the Federal Reserve and the Florida Office of Financial Regulation.
As of 2017, the office maintained a 100% satisfactory position on regulatory compliance issues.
BANKING SERVICES IN USA:
- Housing Loans: The Representative Office offers loans to Hondurans living primarily in the United States, Spain and Canada to finance the purchase or improvement of housing. All immigration statuses (U.S. Citizens, Residents, TPS and Undocumented) in the United States apply for Housing Loans. Hondurans residing in Spain and Canada must prove their legal residence in order to apply.
- Easy Mortgage for Hondurans living abroad: Loans with unrestricted destination backed by mortgage collateral for assets located in Honduras, owned by Hondurans living abroad. It allows Honduran citizens living in the U.S. who have already accumulated real estate in Honduras to obtain loans against their assets, using them as collateral to finance personal projects of various kinds.
- Cuentas USA: La cuenta de ahorro “Cuenta USA” está dirigida exclusivamente a personas naturales hondureñas residentes en EEUU. La Cuenta USA facilita y reduce el costo del envío de remesas familiares a Honduras y abre la posibilidad de obtención de otros servicios bancarios.
For Hondurans living abroad, buying a home goes beyond a simple acquisition; it has a sense of achievement and compensation for the great sacrifice of being separated from their family and their country
MILLIONS LPS. IN HOUSING LOANS