Solutions
Foreign National Home Loans
Financing U.S. property for buyers without U.S. residency or credit history.
International buyers and investors purchase U.S. real estate all the time, and they do not have to pay all cash. Foreign national loan programs finance buyers who lack U.S. residency, a Social Security number, or a domestic credit history.
How these loans work
Because a buyer may have no U.S. credit file, these programs lean on other evidence of strength: a larger down payment, documented assets and income from abroad, and sometimes an international credit reference. The property’s value and the borrower’s liquidity carry more of the weight.
What to expect
- A larger down payment than a typical domestic loan.
- Documented assets and income, which may be sourced internationally.
- Reserves demonstrating the ability to carry the property.
- Investment or second-home use, which many of these programs are built around.
Pro tip
Assemble clear documentation of your assets and income early, translated where needed. A well-organized file is the single biggest factor in a smooth foreign national approval — and we will tell you exactly what to prepare.
Common questions
Can a non-resident buy U.S. property with a mortgage?
Yes. Foreign national loan programs finance buyers without U.S. residency, a Social Security number or domestic credit, generally with a larger down payment and documented assets and income. Paying all cash is not the only option.
Do I need U.S. credit history to qualify?
Not necessarily. These programs are built for buyers without a U.S. credit file, relying instead on your down payment, documented assets and income, and sometimes international references. The property and your liquidity carry more weight.