Foreign National Loans
"Buy US property from anywhere."
Non-US citizens can purchase property in the United States. Whether buying a vacation home, investment, or relocating, we have financing options.
25-30%+
Min Down
680+ (or international)
Min Credit
$3M
Max Loan
Is This Loan Right for You?
This Loan is Perfect If You...
- Non-US citizen wanting US property
- International investor building portfolio
- 25-30% down payment available
- Can document foreign income/assets
- Have valid passport
This Might NOT Be Right If...
- Need low down payment (under 25%)
- Cannot document income or assets
- No valid passport or government ID
- Looking for 100% financing
Foreign National Loans Benefits
Everything you need to know about your benefits
No Citizenship Required
Purchase US property without being a US citizen or permanent resident
No Residency Required
Live anywhere in the world and still own US real estate
Up to $3M Financing
Finance luxury homes and premium investment properties
Multiple Property Types
Primary residence, vacation home, or investment property
International Credit Accepted
Use your home country credit history to qualify
Global Expertise
Team experienced with international transactions and documentation
How It Works
Your path to homeownership in just a few simple steps
Initial Consultation
Discuss your property goals and review documentation available
Document Collection
Gather passport, income verification, and proof of funds
Open US Banking
Set up US bank account if needed for transactions
Close & Own
Complete purchase and receive keys to your US property
Initial Consultation
Discuss your property goals and review documentation available
Document Collection
Gather passport, income verification, and proof of funds
Open US Banking
Set up US bank account if needed for transactions
Close & Own
Complete purchase and receive keys to your US property
Required Documentation
What you will need to apply
Identity & Status
- Valid passport (unexpired)
- Visa documentation (if applicable)
- Foreign address verification
Passport must be valid through closing
Income & Assets
- Foreign income documentation
- International bank statements
- Proof of funds for down payment
- Asset verification
Documents may need translation
Credit & Banking
- International credit report (if available)
- Bank reference letter
- US bank account (can be opened)
We can guide you on opening a US account
Document Translation
Foreign documents may need certified translation to English. We work with translation services and can guide you through this process.
Loan Details
Documentation Required
- Valid passport (unexpired)
- Visa documentation (if applicable)
- Foreign income verification
- International bank statements
- Proof of funds for down payment
- Bank reference letter
Eligible Property Types
- Primary residence (if relocating)
- Second home / vacation property
- Investment property (DSCR available)
- Single-family homes
- Condos and townhomes
- Multi-family (2-4 units)
Additional Info
- No US citizenship required
- No US residency required
- International credit accepted
- US bank account needed (can assist)
- Document translation may be required
- DSCR available for investment
Frequently Asked Questions
Common questions about Foreign National Loans
Last updated:
Can non-US citizens get a mortgage in America?
Yes! Foreign nationals can absolutely purchase property in the United States. You do not need citizenship or permanent residency. Our foreign national loan programs are specifically designed for international buyers.
What down payment is required?
Foreign national loans typically require 25-30% down payment. This higher requirement helps offset the risk of international lending and ensures you have significant equity in the property.
Do I need a US credit score?
No US credit history is required. We can use international credit reports, bank reference letters, or establish credit through your banking relationships.
- Yes, we accept foreign income documentation including employment letters, tax returns from your country, and bank statements. Documents may need certified translation.
- You can purchase primary residences (if relocating), second homes/vacation properties, or investment properties. DSCR (rental income) loans are available for investment purchases.
- You will need a US bank account for the mortgage payments and closing. We can guide you through opening one - many banks offer accounts to foreign nationals.
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Or call us directly: (757) 558-2603