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Foreign National Loans

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If you are a citizen from another nation, you can still have the opportunity to get a mortgage loan to buy a property in the United States. A mortgage loan to a non-resident person in the U.S.A. is called a Foreign National Mortgage loan. A Foreign National who is not a resident of the United States will in many cases seek to own real estate. Financing real estate is generally done by US mortgage companies and banks to United States citizens. The property can become a second or vacation home while staying in America. It could also be an investment property.

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NonQM123 welcomes the opportunity to provide mortgage services to Foreign Nationals who want to purchase or refinance a home in the United States. NonQM123 offers loans to non U.S.A. citizens that may be resident aliens, temporary residents or other classifications of either temporary or permanent status.

Down payment requirements are usually higher for foreign national borrowers. The minimum down payment is usually 25% of the total purchase price of the property. This is also referred to as an 75% Loan to Value “LTV” loan.


Fixed Rate Loans

Adjustable Rate Mortgage loans (ARM)

Required Documents For Foreign National Mortgage Loans

1. Self-employed Foreign National borrowers require a 25%-30% down payment depending on the property type (SFR, Condo, Multi-Unit 2-4), 30 days of asset verification, 6 months of P.I.T.I.A, (Principal, Interest, Taxes, Insurance, Any association Fees) in market grade by zip code 60 or greater.

*Citizens and individuals from O.F.A.C. sanctioned countries including Russia and Belarus etc. are not eligible.*

2. Copy of borrower’s passport and visa (when applicable).

3. Borrower must set up an Auto Payment Debit Account with a US banking institution, which will allow the bank to withdraw monthly mortgage payments automatically.

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Foreign National Loans

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