Mortgage Rates are Down!
Foreign National Loan
A Foreign National Loan is a mortgage option for non-U.S. citizens looking to purchase property in the United States. These loans typically do not require a Social Security number or U.S. credit history, making them ideal for international buyers and real estate investors. Instead, lenders evaluate financial eligibility through bank statements, foreign credit reports, and proof of income. This loan provides a streamlined way for foreign investors to enter the U.S. real estate market without meeting traditional mortgage requirements. If you’re an international buyer seeking to invest in U.S. property, a Foreign National Loan can help you secure financing.
A Reliable Home Loan You Can Trust.
Access to U.S. Real Estate Market
Allows non-U.S. residents to invest in or own property in the United States.
No U.S. Credit History Needed
Qualification relies on international financial documentation rather than U.S. credit.
Flexible Property Options
Suitable for rental properties.
Specialized Support
Work with lenders experienced in assisting foreign nationals with unique financial needs.
Loan Guidelines
If your details are near these guidelines, we encourage you to apply or reach out. Even if you don’t qualify for a 30-year fixed-rate mortgage, we may have other options available.
The Home
Purchase a new home or refinance your current mortgage.
Credit Profile
A credit score above 620 is typically required.
Debt-to-Income
Your debt-to-income ratio (DTI) should be under 50%.
Closing Costs
Along with your down payment, you’ll need sufficient funds to cover closing costs.
Explore Your Potential
Our calculators help you understand and visualize your options
Mortgage Calculator
Planning to buy a home? Calculate your estimated monthly payments, including taxes and insurance.
Refinance Calculator
Considering refinancing your mortgage? Find out how much you could save.
Frequently Asked Questions
Have questions? We’ve got answers! Explore our FAQ section to find helpful information about loans, refinancing, and more. If you don’t see what you’re looking for, feel free to contact us—we’re here to help!
Who are Foreign National Loans best for?
Foreign National Loans are ideal for non-U.S. citizens who live abroad but wish to purchase or invest in real estate in the United States. These loans cater to individuals without established U.S. credit or residency status.
How do Foreign National Loans work?
Foreign National Loans provide financing for non-resident buyers by evaluating income, assets, and financial stability from outside the U.S. Borrowers typically provide international financial documents, proof of income, and reserves. These loans often require larger down payments and have higher interest rates than traditional mortgages.
What are the pros and cons of a Foreign National Loan?
Pros:
- Enables non-residents to purchase U.S. real estate.
- Flexible documentation requirements for international borrowers.
- Can be used for investment properties.
Cons:
- Higher down payments and interest rates.
- Limited loan programs compared to U.S. residents.
- Requires specialized lenders familiar with international finances.
Can I qualify for a Foreign National Loan without U.S. credit history?
Yes, U.S. credit history is not required. Lenders evaluate international credit, income, and assets to determine eligibility.