U.S. Property Financing
Mortgage options for eligible foreign national borrowers.
Foreign national programs can provide a path to finance eligible U.S. property when the borrower lives abroad and does not have a standard U.S. income or credit profile.
Program overview
How this mortgage review works
Foreign national mortgage programs are designed for borrowers whose primary residence, income, assets, and credit history may be outside the United States. The review focuses on identity, residency status, property purpose, funds, credit references, and the selected program.
Investment-property transactions may use DSCR or another investor methodology. Second-home scenarios may require a different income, occupancy, and asset review. The borrower’s visa or entry status, when applicable, and the intended use of the property are important.
Funds entering the United States must be documented through acceptable financial institutions. Currency conversion, transfer history, sanctions screening, title structure, entity ownership, insurance, and tax documentation can require additional planning.
Who it may fit
Borrower and property profiles
- Non-U.S. citizens residing outside the United States
- International investors purchasing U.S. rental property
- Foreign national borrowers refinancing eligible U.S. property
- Borrowers seeking a qualifying second home under an eligible program
What drives the review
Key qualification factors
- Passport, residency, visa, and identification profile
- Investment property versus eligible second-home use
- U.S. credit, international credit, or alternative references
- Source, seasoning, and transfer of funds
- Property type, value, rent, and requested leverage
- Entity structure, reserves, insurance, and title
Common uses
Scenarios this program may address
- Purchase a U.S. rental property
- Use DSCR financing for an eligible investment property
- Refinance or cash out an existing U.S. rental
- Purchase an eligible U.S. second home under a qualifying program
Documentation
What may be requested
- Valid passport and additional identification
- Visa or residency documentation when applicable
- Foreign or U.S. asset statements with translations when required
- Credit report or alternative credit references when required
- Purchase, lease, appraisal, title, and property documents
- Entity documents and tax identification information when applicable
- The exact list depends on the borrower, property, transaction, state, and selected program.
The exact list depends on the borrower, property, transaction, state, and selected program.
From online profile to underwriting
From online profile to underwriting
Identify borrower status, property purpose, and vesting
Document assets, credit references, and funds transfer path
Review the property and loan structure
Complete U.S. appraisal, title, compliance, and underwriting requirements
Important context
What to understand before moving forward
- Foreign national programs and state availability vary
- Currency conversion and international wire timing require planning
- Tax, legal, immigration, and estate questions should be reviewed with qualified advisors
- Owner-occupied primary-residence rules differ from investment and second-home programs
Questions about Foreign National Loans
Do I need a U.S. Social Security number?
Not every foreign national program requires an SSN. Identification and tax-document requirements depend on the structure and program.
Is U.S. credit required?
Some programs accept international credit or alternative references when U.S. credit is not established.
Can a foreign national use a DSCR loan?
Eligible investment-property scenarios may use DSCR qualification based on property cash flow.
Can I close in an LLC?
Eligible entity vesting may be available, subject to ownership, guarantor, tax, and program requirements.
How are foreign assets documented?
Complete statements, translations, currency conversion, account ownership, and transfer evidence may be required.
Can I finance a second home?
Some foreign national programs offer eligible second-home paths with different occupancy and qualification requirements.
Start online
Let a licensed NonQM123 specialist review the numbers.
Final terms depend on borrower, property, documentation, program, investor, state, and underwriting requirements.