Dreaming of owning property in the United States but concerned about your non-citizen status? Our Foreign National Loan Program provides specialized financing solutions that make American homeownership accessible to international buyers. With competitive terms and flexible requirements, we help non-US citizens navigate the complex process of purchasing residential property in the United States.
Foreign National Loans are specialized mortgage programs designed specifically for non-US citizens who wish to purchase property in the United States. These loans recognize the unique financial circumstances of international buyers and offer tailored solutions that differ from conventional US mortgage programs.
These programs assess creditworthiness using international financial documentation and alternative verification methods, understanding that traditional US credit histories may not be available to foreign buyers.
Our program offers several advantages specifically designed for international buyers:
Access attractive financing rates comparable to those available to US citizens.
Borrow from $100,000 up to $750,000 per property, accommodating various budget levels.
Choose from fixed-rate terms (10, 15, 20, 25, or 30 years) or adjustable-rate options (5/1, 7/1, 10/1 ARM).
Finance primary residences, vacation homes, or investment properties throughout the United States.
Our program includes several distinctive features that cater to international buyers:
Finance up to 75% of the property value, requiring a minimum 25% down payment.
50% maximum debt-to-income ratio with "assets for income" consideration option.
Finance single-family homes, condominiums, townhouses, and other residential property types.
Program accommodates self-employed foreign nationals with appropriate documentation.
Pay off your loan early without incurring additional fees or penalties.
While requirements are more flexible than traditional loans, certain criteria must be met:
Provide valid passport, visa information, and international credit references.
Submit proof of international income and employment stability.
Provide bank statements and asset verification from your home country.
Demonstrate legitimate sources for down payment and closing costs.
Our streamlined process accommodates international buyers:
Discuss your needs and review program requirements with our specialists.
Gather necessary international financial documents and property information.
Complete the application with guidance on US-specific requirements.
Manual underwriting considers your unique international financial profile.
Coordinate signing with consideration for international travel schedules.
Working with an experienced mortgage broker specializing in foreign national loans offers significant advantages:
Understanding of unique challenges faced by non-US citizen buyers.
Guidance on preparing international financial documents for US lenders.
Experience working with diverse international clients.
Connections with attorneys, accountants, and other professionals experienced in cross-border transactions.
Most visa types are acceptable, including B-1/B-2, H-1B, L-1, E-2, and TN visas. Even without a current US visa, some lenders may consider applications with strong international credentials.
Yes, projected rental income can be considered in the qualification process, particularly for investment properties.
Lenders typically review international credit reports, bank references, and alternative credit data to assess creditworthiness.
Funds must be converted to US dollars, and we recommend working with reputable currency exchange services to handle conversions.
While no minimum holding period is mandated, lenders typically expect the property to be maintained as indicated in your original application.
Yes, refinance options are available, and you may qualify for conventional financing if your US credit history develops sufficiently.
Visa status changes typically don't affect existing loans, as the loan is secured by the property itself.
Standard US homeowner's insurance is required, and we can help connect you with insurers experienced with international clients.
Yes, the program accommodates both primary residences and investment properties.
The process usually takes 30-45 days, accounting for international document verification and coordination.
Our Foreign National Loan Program opens doors to US property ownership for international buyers. With flexible terms, competitive rates, and expert guidance, we make the process smooth and accessible. Contact us today to begin your journey toward American property ownership.