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Foreign National Loans

Foreign National Loans

Foreign nationals are not United States citizens, they will not qualify for Fannie, Freddie, and FHA mortgages, so lenders that offer them mortgages typically either keep them in the portfolio or sell them into the secondary market.


A foreign national mortgage is a type of mortgage loan that is available to non-residents who wish to purchase property in a country where they are not citizens. Typically, foreign national mortgages are offered by banks and other financial institutions and are subject to certain conditions and requirements.

In general, the eligibility criteria for foreign national mortgages include a minimum credit score, a down payment of at least 20% of the property's value, and proof of income and assets. The exact requirements may vary depending on the lender and the country where the property is located.

One of the main challenges for foreign nationals seeking a mortgage is the lack of credit history and financial documentation in the country where the property is located. Some lenders may require additional documentation such as a copy of the borrower's passport, visa, or work permit, as well as proof of income and assets from their home country.

Foreign national mortgages may also come with higher interest rates and fees compared to conventional mortgages, due to the perceived higher risk involved in lending to non-residents. It's important to carefully consider the costs and requirements of a foreign national mortgage before applying, and to work with a reputable lender who has experience working with foreign buyers.

  • $100,000 to $8,000,000 loan amounts with limited documentation
  • Up to 70% LTV, no prepayment penalty, five-year fixed rate, interest-only payments
  • Documentation: valid passport, letter from financial institution and verification of domicile in the U.S.
  • Owner-occupied, vacation homes and non owner-occupied homes, condos and townhomes
  • Private money financing of non owner-occupied 1-4 units, multifamily, land and for construction.
  • 60 days’ sourcing and seasoning of assets
  • Income verification letter from employer or CPA accepted
  • No ratio foreign national loans. No U.S. credit nor U.S. visa required.
  • Portfolio loans for foreign borrowers, no credit score required, maximum 50% LTV
  • Foreign investor and foreign-owned U.S. businesses eligible for fix and flip, buy and hold and refinance

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I represent clients who authorize me to do so. I do not work for or represent the interest of any mortgage lender or other duly authorized entity to whom I may submit a mortgage application on behalf of a Client. My services are provided in a Mortgage Broker capacity and I am not authorized to approve or deny a mortgage loan request. NMLS 1691763 / NMLS 1322774