Do I need a visa to get a foreign national loan?

Not necessarily. Many programs do not require a specific visa type. However, some lenders may require a valid passport and proof of legal entry. Requirements vary significantly by lender.

Can I use a foreign national loan for a primary residence?

Most foreign national programs are for investment properties or second homes. Primary residence programs exist but are more limited. If you plan to live in the U.S. full-time, an ITIN loan may be more appropriate.

How is my income verified?

Foreign income can be documented through foreign bank statements, foreign tax returns, or employer letters. All documents typically need to be translated into English and may require notarization.

International Buyers

Foreign National Loans — Buy U.S. Property From Abroad

Purchase U.S. real estate as a non-resident foreign national. No U.S. credit history, no SSN, no visa required in many programs. Available for investment properties and second homes.

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Program Highlights

No U.S. credit history required
No SSN required
Investment properties eligible
Second homes eligible
International income accepted
Foreign bank statements OK
LLCs and foreign entities
Available in 48 states

U.S. Mortgages for Foreign Nationals

Foreign national loans allow non-U.S. residents to purchase real estate in the United States without a Social Security Number, U.S. credit history, or U.S. employment. These programs are designed for international investors, vacation home buyers, and individuals who earn income outside the United States.

Income can be documented using foreign bank statements, foreign tax returns, or employer letters translated into English. Some lenders also offer DSCR-based qualification for investment properties, where the rental income of the property is used to qualify rather than the borrower personal income.

Most foreign national programs are available for investment properties and second homes. LTV ratios are typically lower than domestic programs — usually 65-75% — reflecting the additional considerations associated with international borrowers.

Our network includes lenders who specialize in foreign national underwriting and have experience working with borrowers from dozens of countries.

Program Guidelines

SSN Required

U.S. Credit Required

Max LTV

Up to 75%

Income Docs

Foreign bank stmts / returns

Property Types

Investment, 2nd Home

Entity Types

Individual, LLC, Foreign Entity

Frequently Asked Questions

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