FOREIGN NATIONAL HOME LOANS
Your passport opens the door.
No U.S. credit score required.
You do not need to be a citizen, a green card holder, or have a U.S. credit history to own property here. Our foreign national programs qualify you on your passport, your assets, or the property itself — not a Social Security number.
Built for buyers without a U.S. credit file
No U.S. Credit Required
Foreign credit reports, bank reference letters, or other home-country credit evidence stand in for a FICO score.
Qualify on Assets or Rent
DSCR investment loans qualify on the property's rental income; asset-based programs need no income documentation at all.
Primary, Second Home or Investment
Single-family homes, 2–4 unit properties, and warrantable condos are all eligible, depending on the program.
Simple Documentation
A valid passport, proof of address, and 2–3 months of seasoned bank statements. No U.S. tax returns needed.
Down Payment That Fits the Path
Typically 25% or more — the exact number depends on property type, documentation, and loan program.
Funded in Weeks, Not Months
Complete files can close in as little as 3–6 weeks, even with the added verification a cross-border purchase requires.
Who qualifies?
You do not need a green card or a U.S. Social Security number. Our foreign national programs work whether you hold a visa (B-1/B-2, H-1B, L-1, E-2, O-1), an ITIN, or live outside the U.S. entirely. Talk to a specialist about which path fits your situation — the right program depends more on your documentation and down payment than your immigration status.
Down payment by loan path
| Loan path | Typical down payment | How you qualify |
|---|---|---|
| Primary or second home (full doc) | 25%+ | Passport, visa or ITIN, seasoned bank statements |
| Investment property (DSCR) | 20–30% | Property’s rent covers the payment — no personal income needed |
| Asset-based (any eligible property) | 30%+ | Verified liquid assets — no income documentation |
Down payment, rate, and documentation requirements vary by lender, property type, and qualification path.
What you’ll need to get started
A valid passport, your visa or ITIN confirmation (or proof of foreign residency for non-resident programs), 2–3 months of seasoned bank statements, source-of-funds documentation for any recent transfers, and enough reserves to cover 3–6 months of payments after closing.
Ready to buy in the U.S.? Let’s map your path.
One call with a specialist who works with international buyers every day — we’ll tell you which program fits and exactly what to gather.
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