foreign national mortgages

What Is a Foreign National Mortgage?



A foreign national mortgage is a loan program tailored to non-U.S. residents who want to purchase or refinance property in the United States. Unlike traditional mortgages, these programs provide flexibility around documentation requirements. Lenders typically accept foreign credit reports, international bank statements, or proof of assets abroad in place of U.S.-based income or credit history.


Who Qualifies for a Foreign National Loan?


These loans are designed for:

  • Non-U.S. citizens looking to buy or refinance a property in the U.S.
  • Investors from abroad interested in expanding their real estate portfolio
  • International professionals who spend part of the year in the United States
  • Foreign buyers who may not have a U.S. Social Security number or credit history


If you’re an international client with verifiable assets or income, a foreign national mortgage may be the key to achieving your U.S. real estate goals.


How It Works


Foreign national mortgage programs take a flexible approach to documentation. Instead of requiring W-2s or U.S. tax returns, lenders review alternative proof of income or assets, such as international bank statements or credit references from your home country. This allows qualified borrowers to secure financing without the barriers of conventional mortgage rules.


Why Choose a Foreign National Mortgage?


  • Designed specifically for non-U.S. residents
  • Flexible documentation and credit requirements
  • Access to U.S. real estate opportunities without citizenship or residency
  • A variety of non-QM loan programs tailored to international buyers


GET STARTED TODAY


We specialize in foreign national mortgage solutions that make U.S. real estate accessible for international clients. Whether you’re purchasing a vacation home, an investment property, or a new residence, our team will guide you through the process with expertise and care.


If you’re ready to explore property ownership in the United States, a foreign national mortgage may be your solution. Contact us today to learn more about how we can help you finance your U.S. home.