Foreign National Loans

Foreign National Mortgages: Invest in U.S. Real Estate

Buying or refinancing a home comes with a lot of questions—and we’re here to help you feel more prepared. Use the tools and resources below to explore your mortgage options, crunch the numbers, and get helpful tips from our team.

What is a Foreign National Loan?
A Foreign National loan is a mortgage program that enables citizens of other countries to purchase vacation homes or real estate investments inside the United States without requiring a U.S. credit history, a Social Security number, or a green card.
How This Helps the Qualified Borrower (The Big Advantages)
  • No U.S. Credit History Needed: We do not require a traditional domestic credit profile. We use international asset verification and alternative credit data from your home country.
  • Expand Your Global Real Estate Portfolio: It offers a way to invest in U.S. real estate markets from anywhere in the world (if you qualify).
  • Flexible Property Uses: You may be able to buy a beautiful second home for family visits or purchase rental properties.
How Does an Foreign National Loan Work?
We evaluate your financial standing using resources from your home country. This can include letters from international financial institutions, proof of foreign assets, or the income potential of the U.S. property you are looking to buy. The process is handled securely online, meaning you may not need to be physically present in the U.S. to complete your financing.
Quick Qualification Checklist for Borrowers
  • A valid passport and visa from your home country (if applicable).
  • Proof of funds held in an eligible financial institution for the down payment.
  • An international credit reference letter or alternative proof of financial responsibility.
Is a Foreign National Loan Right for You?
This option may be a good fit if:  You live abroad and want to buy a vacation home in the United States, or you are an international investor looking to diversify into American real estate. 

Loan Program FAQs

Here are answers to common questions about choosing the right mortgage solution.

Let’s Build Your Personalized Loan Strategy

One conversation is all it takes. Schedule your complimentary mortgage consultation today and let’s explore a home loan that works for your unique financial goals.

TML-Mark

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