Non-Citizen Foreign Nationals Mortgage
A Hassle-Free U.S. Real Estate Investment Option for International Buyers
Investing in U.S. real estate has never been more accessible for foreign nationals who live and work outside the U.S. Whether you’re seeking a vacation home, an income-generating property, or simply looking to diversify your portfolio, our Foreign National Mortgage Loan makes it possible—with no U.S. credit or income documentation required.
Who Is This Loan For?
- Non-citizens who reside and work in their home country
- International real estate investors
- Buyers with qualifying visas (see list below)
- Those looking to finance U.S. investment properties
✅ No U.S. credit score or income documentation required
✅ Not available to individuals residing in the United States
Key Loan Features
| Criteria | Details |
| Loan Purpose | Purchase, Rate-Term Refinance, Cash-Out Refi |
| Property Type | Investment Property Only |
| Loan Amount Range | $100,000 – $1.5 million |
| Maximum Loan-to-Value (LTV) | 70% |
| Minimum Credit Score | Not required |
| DSCR Requirement | 1.0+ (Cash Flow Break-Even) |
| Residency Requirement | Must not reside in the U.S. |
| Ownership Options | U.S. LLC ownership permitted |
| Reserve Requirement | 12 months, can remain in home country |
| Asset Verification | 60 days’ seasoning, 30 days in U.S. FDIC bank |
| Auto-Payment | ACH required |
| Gift Funds | ❌ Not Allowed |
| Ineligible Location | Not available in Osceola County, FL |
Eligible Visa Types
To qualify, the borrower must hold one of the following visas:
- B-1
- B-2
- H-2
- H-3
- I
- J-1
- J-2
- O-2
- P-1
- P-2
Contact us today to get started on your cross-border real estate journey: Schedule A Call. Or begin your pre-approval process for this loan option.
Why Choose This Program?
✅ No SSN or U.S. credit score required
✅ No tax returns, pay stubs, or income statements
✅ Designed for ease and speed
✅ Ideal for overseas investors and international professionals
Action Steps
🌍 Check Visa Eligibility
💼 Gather documentation – bank statements showing asset seasoning
🏠 Review target property cash flow
📞 Schedule a consultation with a lending advisor
Own U.S. Real Estate Without U.S. Residency
You don’t have to live in the U.S. to invest in its real estate market. With our Foreign National Loan, we remove the barriers and open doors to smart investment opportunities.
Contact us today to get started on your cross-border real estate journey: Schedule A Call. Or begin your pre-approval process for this loan option.
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