Foreign National Loans

Foreign National Mortgage Loans

US Lending Solutions for International Real Estate Investors

We specialize in mortgage loans for foreign nationals looking to purchase or refinance real estate in the United States. With decades of experience and clients from around the globe, we make U.S. property ownership simple and accessible—whether you're purchasing a second home, an investment property, or a commercial real estate asset.

What Is a Foreign National Loan?
A foreign national loan is designed for non-U.S. residents who wish to buy or refinance U.S. real estate. These loans are available for individuals who live and work abroad and do not hold a U.S. Social Security Number or established U.S. credit. Our programs exclude borrowers from OFAC-restricted countries.

Flexible Lending Options
We offer a variety of foreign national mortgage solutions with competitive terms and minimal documentation requirements. For investment properties, many of our loan programs use Debt Service Coverage Ratio (DSCR), allowing you to qualify based solely on the property's rental income—no personal income verification required.

Key Loan Highlights
Loan-to-Value (LTV) up to 70%-75% of the purchase price or appraised value
Loan amounts up to $50 million for commercial properties
Flexible terms: Fixed Rate, Adjustable Rate Mortgages (ARMs), and Interest-Only options
No U.S. credit score required
Available for Single-Family Homes, Condos, Townhomes, Multi-Family Properties, and Commercial Real Estate
Eligible for Purchase, Refinance, and Cash-Out transactions

Borrower Eligibility Requirements
To qualify for a foreign national mortgage loan, borrowers must:

Hold a valid foreign passport
Maintain a foreign residence and employment outside the U.S.
Provide 2 months of bank statements showing proof of funds (international banks accepted; funds must be transferred to a U.S. bank before closing)
Have a foreign address
Be able to source any large deposits
Note: Qualification is subject to lender approval and may vary depending on the borrower’s profile and property type.

Commercial Property Loan Requirements
For foreign national commercial loans, borrowers must demonstrate experience owning and managing similar properties. To begin your quote, please provide:

Property address
Most recent 2 months’ rent roll
Trailing 12-month Profit & Loss statement (T-12 P&L) with monthly breakdown
Nationwide Availability
Our foreign national loan programs are available in most U.S. states.

 
Get Pre-Approved Today

Whether you're investing in U.S. real estate for income or personal use, we’re here to guide you every step of the way. Contact us today to speak with an experienced loan specialist and get pre-approved for a foreign national mortgage loan.