Foreign National Loans
Foreign National Loans – Invest in U.S. Property Without U.S. Income
Foreign National loans are designed for non-U.S. citizens and non-permanent residents who want to purchase or refinance real estate in the United States. These programs allow international investors to qualify without U.S. credit, U.S. income, or U.S. tax returns. If you’re an overseas buyer looking to invest in U.S. rental properties, vacation homes, or second homes, Foreign National financing provides a clear and structured path to ownership.
Great fit for:
-
International real estate investors
-
Buyers without U.S. credit history
-
Foreign nationals purchasing U.S. rentals or second homes
-
Investors diversifying into U.S. real estate
​
See if your property is eligible for Foreign National financing:
Do I need U.S. credit to qualify? No. Many programs do not require U.S. credit, though alternative credit or international documentation may be used.
Can Foreign National loans be used for investment properties? Yes. These loans are commonly used for investment and rental properties, as well as second homes.
Is U.S. income required? No U.S. income is required. Some programs may review foreign income or assets instead.
What type of down payment is required? Down payments are typically higher than standard loans, often ranging from 20–40%, depending on the program.
Do I need a U.S. bank account? In most cases, yes — a U.S. bank account is required prior to closing.