Foreign National Mortgage
Foreign National Loan Programs
Foreign National Loan Programs are designed for non-U.S. citizens and non-U.S. residents who want to purchase or refinance property in the United States. These programs allow international buyers to finance U.S. real estate without requiring U.S. income, U.S. credit history, or residency in many cases. They are commonly used by international investors, overseas business owners, and foreign buyers purchasing residential or investment properties.
Who Are These Programs For?
Foreign National loans may be a great option if you: Are not a U.S. citizen or permanent resident. Do not have a U.S. Social Security number. Earn income outside the United States. Do not have established U.S. credit. Are purchasing U.S. property for investment, second home, or personal use
Key Benefits
No U.S. income or employment verification required (program dependent)International credit or bank reference letters accepted. Financing available for purchases and refinances. Ideal for investors looking to diversify into U.S. real estate. Available through specialized global lenders
Eligible Property Types Single-family homes. Condos and town homes. Multi-family properties (2–4 units)Investment and rental properties. Mixed-use properties (program dependent)
What to Expect
Foreign National loans typically require: Higher down payment compared to traditional loans. Proof of funds and asset verification. International bank statements or reference letters. Valid passport and visa (if applicable)Different rates and terms due to foreign borrower profile. These programs are structured to make U.S. real estate ownership accessible to qualified international buyers.