Loan Types

Foreign National Loan

Mortgages for non-U.S. resident buyers

Min. Down Payment

25-30%

Min. Credit Score

Case-by-case

Best For

Non-U.S. resident buyers

Talk to a Loan Officer

What Is It?

Understanding the Foreign National Loan

A foreign national loan is a mortgage program built specifically for non-U.S. citizens who don't have permanent residency (no green card) and often no U.S. credit history — including international investors and buyers purchasing a second home or investment property in the United States.

Since traditional U.S. credit scoring usually isn't available, these loans rely on alternative verification: international credit and banking references, larger down payments, and documented reserves.

Key Benefits

Why Borrowers Choose This Program

No U.S. credit required

Qualify using international banking and credit references instead.

Purchase or investment

Use it for a second home, vacation property, or rental investment.

No SSN or green card needed

Built specifically for non-resident, non-citizen buyers.

Flexible income documentation

Foreign income and asset documentation is accepted with translation/verification.

Who It's For

International buyers purchasing U.S. real estate
Non-resident investors without a Social Security number
Buyers with strong overseas income or assets but no U.S. credit file

Requirements to Qualify

Valid passport and visa (if applicable)
Larger down payment, typically 25-30%
International credit reference letters or bank statements
Documented reserves, often 6-12 months of payments
U.S. bank account for closing and payments

Prosসুবিধা

No U.S. credit history or SSN required
Opens U.S. property ownership to international buyers
Can be used for investment or vacation property

Consঅসুবিধা

✕Larger down payment than most domestic programs
✕More documentation for income/asset verification
✕Credit and pricing decisions made on a case-by-case basis

FAQs

Common Questions About Foreign National Loans

No — foreign national loans are built specifically for borrowers without an SSN, using alternative identification and documentation instead.

Yes, foreign national loans are commonly used for both vacation/second homes and investment properties.

Typically a passport, an international credit reference or bank statements, and proof of income or assets — your loan officer will confirm the exact list for your situation.

Ready to Get Pre-Approved?

See if the Foreign National Loan is the right fit for your situation — free, no-obligation consultation.

Foreign National Loanফরেন ন্যাশনাল ঋণ

Understanding the Foreign National Loanফরেন ন্যাশনাল ঋণ বোঝা

Why Borrowers Choose This Programকেন ঋণগ্রহীতারা এই প্রোগ্রাম বেছে নেন

Who It's Forকাদের জন্য উপযুক্ত

Requirements to Qualifyযোগ্য হওয়ার প্রয়োজনীয়তা