Foreign National Loan programs are designed to help non-U.S. citizens purchase or refinance real estate in the United States. These programs provide flexible financing options for international buyers who may not have U.S. credit history, Social Security numbers, or traditional income documentation.
Whether you’re purchasing a second home, vacation property, or investment real estate, Foreign National loans offer customized solutions that consider global income, foreign credit references, and international financial profiles. With structured underwriting and tailored documentation requirements, these programs make U.S. property ownership accessible to qualified international clients.
Foreign National loan programs provide access to U.S. real estate financing without requiring traditional U.S.-based income verification or credit history. These loans are designed to accommodate international financial structures while maintaining responsible lending standards.
Qualify using alternative credit references such as international credit reports, bank references, or financial statements.
Some programs allow purchases under foreign corporations or LLC structures, depending on guidelines.
Income may be verified using foreign bank statements, employment letters, CPA letters, or other approved documentation.
Access higher loan amounts based on financial strength and property type.
Many programs allow financing for investment properties, rental properties, and vacation homes.
Provides international buyers the opportunity to build wealth and diversify investments in the U.S. market.
Learn more about eligibility requirements, documentation guidelines, down payments, and how Foreign National loan programs work.
A foreign national borrower is typically a non-U.S. citizen who resides outside the United States and does not have permanent U.S. residency status.
Most Foreign National programs do not require a Social Security Number, though other identification documentation will be required.
No. Many programs allow alternative credit verification through international credit reports or financial references.
Eligible properties often include investment properties, second homes, and vacation homes. Primary residence eligibility may vary.
Down payments are typically higher than traditional loans and vary depending on the borrower profile and property type.
Rates may be slightly higher due to increased lending risk, but remain competitive based on overall qualifications.
