Foreign National Loans

Overview

Foreign national loans cater to non-U.S. citizens who wish to purchase real estate within the United States. These loans recognize that foreign nationals may not have Social Security numbers, U.S.-based credit histories, or other typical documentation, and adjust qualification criteria accordingly.

Why an Foreign National Loans

Foreign National Loans help non-U.S. residents purchase property in the United States. These loans allow international buyers to invest in real estate without needing a U.S. credit history. They typically require a larger down payment and may have higher interest rates, but provide a way for foreign investors to buy homes in the U.S.

For international buyers
No U.S. credit history required
Down payment starting at 25%
Financing for U.S. properties
Terms of 15, 20, and 30 years available

Lynette Williams

NMLS# 2351054

Branch Manager

Schedule a Phone Call With Me

323-990-7069
[email protected]

Apply Now

Who Qualifies?

Non-U.S. citizens with valid passports and visas, or other documentation proving their identity and legal entry.
Individuals able to show international credit references, bank statements, and other proof of income/assets.
Buyers who typically have larger down payments (often starting around 25%+).

Key Advantages

Opportunity for International Buyers: Enables individuals living abroad or newly relocated to the U.S. to invest in real estate.
Flexible Requirements: Lenders will often accept alternate forms of documentation (foreign credit reports, international bank references, etc.).
Asset-Based Underwriting: Sometimes lenders focus heavily on the borrower’s asset profile, such as substantial savings or overseas income.

Lynette Williams

NMLS# 2351054

Branch Manager

323-990-7069

[email protected]

Apply Now

Example:

A Canadian entrepreneur wants to buy a vacation home in Florida. With a robust financial portfolio in Canada and a 30% down payment, they can secure a foreign national loan without a traditional U.S. credit score.