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Flexible U.S. Mortgage Options for Non-Residents
Foreign National Loans allow international buyers to purchase U.S. real estate without meeting traditional mortgage requirements.
No U.S. Credit History Required – Approval based on foreign credit & financials
No Social Security Number or Green Card Needed – Designed for non-residents
Flexible Income Verification – Use bank statements, assets, or international credit
Available for Investment & Vacation Homes – Primary residences may have restrictions
Higher Down Payment Required – Typically 25-30% down
Ideal for International Buyers & Non-Residents Investing in U.S. Real Estate
These loans are perfect for non-U.S. citizens looking to buy property in the U.S. without the standard loan hurdles.
International Investors – Purchase rental & income-producing properties
Foreign Business Owners & Executives – Buying real estate in the U.S. for relocation or business expansion
Non-Resident Buyers Looking for a Second Home – Finance vacation homes in desirable U.S. locations
Non-U.S. Citizens Without SSN or Green Card – Use alternative financial documentation
Borrowers Seeking Asset-Based Lending – Qualify using international bank statements or assets
Seamless U.S. Real Estate Financing for International Buyers
Foreign National Loans provide tailored solutions for global buyers looking to own U.S. real estate.
No U.S. Credit or SSN Needed – Qualify with foreign credit & assets
Flexible Loan Programs – Available for investment, vacation, and second homes
Higher Loan Limits Available – No conforming loan restrictions
Fast Approvals & Simplified Process – Streamlined underwriting for international buyers
Competitive Interest Rates – Lower financing costs compared to private loans
What Is a Foreign National Loan?
A Foreign National Loan is a mortgage program for non-U.S. citizens who want to purchase or invest in real estate in the United States. These loans do not require a U.S. credit history and are designed for international buyers who may not qualify for traditional financing.
What Are the Benefits of a Foreign National Loan?
No U.S. credit history required – Lenders use alternative methods to assess eligibility
Available for second homes & investment properties
Flexible income documentation – Bank statements, foreign credit reports, or asset-based underwriting accepted
Loan amounts up to $5M with competitive terms
Interest-only and fixed-rate options available
Who Qualifies for a Foreign National Loan?
Non-U.S. citizens without a U.S. credit history
Investors or second-home buyers purchasing U.S. real estate
Borrowers with income & assets in a foreign country
Individuals with a valid passport & visa (B1/B2, E-2, H-1B, L-1, etc.)
LLCs or foreign entities purchasing investment properties
How Does a Foreign National Loan Work?
Step-by-Step Process:
Pre-Approval – Provide passport, visa, and financial documents
Property Selection – Choose a U.S. property (investment or second home)
Loan Processing & Underwriting – Lender verifies foreign income & assets
Appraisal & Title Review – Ensures property meets lender’s requirements
Loan Approval & Closing – Sign documents and finalize the purchase
What Are the Loan Terms for a Foreign National Mortgage?
Loan Term: 5, 7, 10, 15, or 30 years (fixed & adjustable-rate options)
Down Payment: 25-40% (varies by lender)
Loan Amounts: Up to $5 million
Loan-to-Value (LTV): Up to 75% financing
Interest Rates: Typically higher than conventional loans due to added risk
Closing Time: 3-6 weeks
What Documents Are Needed for a Foreign National Loan?
Required Documentation:
Valid passport & U.S. visa
Foreign bank statements (typically last 12-24 months)
Proof of foreign income or employment
Asset verification (stocks, bonds, or savings in foreign accounts)
Letter of reference from a foreign bank
U.S. property purchase contract
Note: Some lenders may allow loans without income verification, using an asset-based lending approach.
Do I Need a U.S. Bank Account for a Foreign National Loan?
Yes, most lenders require foreign borrowers to:
Open a U.S. bank account for mortgage payments
Deposit reserve funds (6-12 months of payments)
Transfer funds for the down payment & closing costs
What Types of Properties Can Be Financed with a Foreign National Loan?
Eligible Property Types:
Single-family homes
Condos & townhomes
Multi-family (2-4 units)
Investment properties
Vacation homes
❌ Not Eligible: Primary residences & FHA/VA loans (foreign nationals must be legal U.S. residents for these loans).
Do Foreign Nationals Need Title Insurance & Property Insurance?
Title Insurance: Required to protect against ownership disputes.
Property Insurance: Covers damage, fire, and natural disasters.
Flood Insurance: Needed if the property is in a high-risk flood zone.
Can a Foreign National Buy a U.S. Property Under an LLC or Entity?
Yes! Many foreign investors purchase under a U.S. LLC or foreign corporation for tax benefits & liability protection. Lenders may require:
Business registration documents
Operating agreement (for LLCs)
Personal guarantee (if applicable)