Foreign National Loans
Own property in the United States without a U.S. credit history.
What are Foreign National Loans?
Foreign national loans help non-U.S. citizens buy a home or investment property in the United States, even without a Social Security number or U.S. credit history.
They are used for vacation homes, second homes and rental properties.
Benefits
- No U.S. credit history or Social Security number required
- Available for second homes and investment properties
- Qualify using international documentation
- Guidance through a process built for overseas buyers
Requirements
- Valid passport and visa documentation where applicable
- Larger down payment than most U.S. programs
- Proof of funds and source of funds
- Foreign credit references or alternative credit verification
- A U.S. bank account for closing and payments
- Property types and states are limited by program
Frequently asked questions
Do I need a U.S. credit score?
No. We use alternative credit references.
Can I buy a primary residence?
These programs are generally for second homes and investment properties.
How much do I need to put down?
Foreign national programs typically require a larger down payment than standard loans.
Can I close from overseas?
Often yes, with the right documents. We will explain what applies to your situation.
Programs, rates and eligibility are subject to change and to underwriting approval. This page is general information and not a commitment to lend.
Get pre-approved for a Foreign National Loan today
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