Foreign National Mortgage Solutions
Purchasing U.S. real estate without U.S. citizenship — specialized programs for international buyers and investors.
Overview
Foreign nationals can purchase residential and investment property in the United States through specialized non-QM mortgage programs. No Social Security Number, ITIN, or U.S. credit history is required. Qualification is based on passport documentation, international credit references, and assets. Popular with Canadian, European, Latin American, and Asian buyers.
Common Challenges
Here's what often makes financing harder — and how we solve it.
No U.S. Credit History
International credit references and bank letters are used instead.
Currency & Documentation
Foreign income and assets require proper documentation and sometimes translation.
Finding the Right Lender
Many U.S. lenders don't offer foreign national programs. Broker access helps.
Recommended Programs
Loan programs designed for your situation.
Qualification Tips
Have your international bank provide a credit reference letter in English.
Prepare 3–6 months of international bank statements showing adequate assets.
Budget for a 25–40% down payment — foreign national programs require higher equity.
Obtain U.S. property insurance and consider working with a U.S.-based real estate attorney.
How to Get Started
Your path to homeownership — simplified.
Initial Review
We assess your international documentation and property goals.
Program Selection
Foreign national, DSCR, or asset-based — matched to your profile.
Close in the U.S.
We coordinate documentation, appraisal, and closing across borders.
Frequently Asked Questions
You do not need a visa to own property. However, your visa status may affect which programs are available and whether the property can be a primary residence.