Program Overview
What is a foreign national loan?
A foreign national loan is designed for eligible non-U.S. residents financing property in the United States.
These programs may use passports, visas when applicable, foreign credit references, bank records, employment documents, asset statements, and other alternative documentation.
Who This Program May Help
Who may benefit from foreign national financing?
International Investors
Eligible nonresident buyers purchasing U.S. rental or investment property.
Second-Home Buyers
International borrowers acquiring a U.S. vacation or secondary residence.
Global Business Owners
Borrowers documenting foreign business income and assets.
Entity Purchasers
Some programs may permit eligible U.S. entity vesting.
Qualification Factors
Common eligibility considerations
Tax, immigration, entity, and cross-border legal advice should be obtained from qualified professionals.
Preparing to Apply
Documents commonly requested
- Valid passport
- Visa or travel documentation when required
- Foreign bank and asset statements
- Foreign employment or business records
- Credit-reference letters when required
- Source-of-funds documentation
- Entity documents when applicable
- Property and insurance documents
Step by Step
How the process works
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01
Complete the Secure Application
Provide your contact information, financing goals, property details, and estimated financial profile.
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02
Submit Supporting Documents
Provide the income, asset, credit, identity, entity, and property documents required for the selected program.
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03
Review Program Eligibility
Your mortgage professional reviews loan structure, occupancy, property type, credit, income, reserves, and documentation.
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04
Processing and Underwriting
The file, appraisal, title, insurance, disclosures, conditions, and applicable program requirements are reviewed.
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05
Final Approval and Closing
After final conditions are satisfied, closing documents are prepared for signing and funding.
Frequently Asked Questions
Foreign National Loans FAQs
Can a non-U.S. resident obtain a mortgage?
Eligible nonresident borrowers may qualify under foreign national programs subject to lender and property requirements.
Is U.S. credit required?
Some programs may use foreign credit references or alternative documentation instead of standard U.S. credit.
Can foreign income be used?
Yes, under eligible programs with acceptable translation, verification, and documentation.
Can an LLC own the property?
Some programs allow eligible entity vesting, subject to guarantor and documentation requirements.
Are foreign national loans available for primary residences?
Programs commonly focus on second homes and investment properties, but eligibility varies.