If you are a citizen from another nation, you can still get a mortgage loan to buy a property in the United States.

easy to do and quick to close

First, you should know

A mortgage loan to a non-resident person in the U.S.A. is called a Foreign National Mortgage loan.

The property can become a second or vacation home while staying in America.

It could also be an investment property. Investment property loans are based on the cash flow of the property instead of the person’s income.

Our Foreign National Loan program is easy to do and quick to close for those who are eligible.


What are the Loan Requirements?

Typically, you must meet the following criteria

Purchase one of the following eligible properties: (1)1-4 family homes, (2)Condo, (3) Co-op, (4) Townhouse, (5) Second Home, or (6) Investment Property

Have a down payment from 20% to 35%

Purchase property from $150,000 to $3,000,000

Purchase a property using a personal name or an LLC

File Information

Documentation needed

The following paperwork will most likely be needed

  1. Copy of ID or Passport
  2. Copy of the down payment check and corresponding bank statement
  3. Contract of sale
  4. Most recent two months of bank statements
  5. Letter of employment and most recent one-month paystub for non-self-employed 
  6. Self-employed require a letter from an accountant/auditing firm verifying income


What is the Benefit of Getting a Mortgage as a Non-U.S. Citizen? 

Your goal may be to purchase or invest in real estate in the United States as real estate is considered a valuable and stable asset. There are many benefits to getting a foreign national mortgage.

  • Getting a mortgage, as opposed to paying cash, gives you the ability to purchase a property of higher value
  • Take advantage of potential tax benefits
  • Earn the ability to allocate unused cash to other investments
  • Experience less risk (When getting a mortgage, you are using less cash up-front, which minimizes your financial risk)

Don't know where to start?

Quick and Easy U.S. Mortgages for Foreign Nationals

Call and Talk to a Loan Specialist