International Buyers
Foreign National Loans
Purchase U.S. real estate without a Social Security Number or U.S. credit history. Designed for international investors, expatriates, and non-U.S. citizens looking to own property in America.
Quick Program Overview
SSN Required
No - ITIN optional
Loan Amounts
$100K to $5M+
Down Payment
25-40% minimum
Closing Time
30-45 days typical
Who Qualifies for Foreign National Loans?
Foreign National loans are available to a wide range of international buyers.
International Investors
Building U.S. real estate portfolios
- Rental property investors
- Commercial property buyers
- Multi-family investors
Vacation Home Buyers
Second homes in the United States
- Seasonal residents
- Snowbirds from Canada
- European vacation buyers
Business Professionals
Working or relocating to the U.S.
- H-1B visa holders
- L-1 transferees
- E-2 investors
Borrowers from 100+ Countries Welcome
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North America
Canada, Mexico
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Europe
UK, Germany, France, etc.
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Asia Pacific
China, Japan, Korea, etc.
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Latin America
Brazil, Argentina, etc.
Note: Some countries may have restrictions. Contact us to verify eligibility for your country.
Foreign National Loan Requirements
Minimum Requirements
- Down Payment: 25-40% minimum
- Credit: International credit report or bank references
- Reserves: 6-12 months PITI in liquid assets
- Income: Verifiable income from home country
Required Documents
- Valid passport (all pages)
- Visa documentation (if applicable)
- International credit report or 2 bank reference letters
- 3-6 months bank statements (foreign accounts OK)
- Proof of income (employment letter, tax returns from home country)
- Proof of foreign address
Foreign National Loan FAQs
Get answers to common questions about Foreign National mortgages
A Foreign National loan is a mortgage program designed for non-U.S. citizens who want to purchase property in the United States. These loans don't require a Social Security Number or U.S. credit history, making them accessible to international buyers, investors, and expatriates.
No, Foreign National loans do not require a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Lenders use alternative methods to verify identity and creditworthiness, such as international credit reports and bank references.
Foreign National loans are available to borrowers regardless of visa status. Whether you have a B1/B2 tourist visa, E-2 investor visa, L-1 intracompany transfer, H-1B work visa, or no U.S. visa at all, you may qualify. Some programs are specifically for non-resident aliens.
Foreign National loans typically require larger down payments than conventional mortgages, usually 25-30% minimum. Some lenders may require up to 40% down depending on the property type and loan amount. Investment properties may require higher down payments.
Yes, Foreign National loans are commonly used for investment properties, vacation homes, and rental properties. Many international investors use these programs to build U.S. real estate portfolios. Both residential and commercial properties may be eligible.
Required documents typically include a valid passport, visa (if applicable), international credit report or bank reference letters, proof of income from your home country, bank statements showing funds for down payment and reserves, and proof of foreign address.
Yes, Foreign National loans typically have higher interest rates than conventional mortgages, usually 1-2% higher. This reflects the additional risk and complexity of lending to non-U.S. citizens. Rates vary based on down payment, property type, and borrower qualifications.
Yes, you don't need to reside in the United States to qualify for a Foreign National loan. Many borrowers purchase U.S. property while living abroad. The property can be used as a vacation home, investment property, or future primary residence.
Ready to Invest in U.S. Real Estate?
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