Foreign National Loan Program

Low Down Payment

Start with as little as 25% down—perfect for global investors entering the U.S. real estate market.

No Income, Employment, or U.S. Credit Required

We don’t require proof of U.S.-based income, employment, or a local credit score.

No Reserves Required

Qualify even without large cash reserves in U.S. bank accounts.

Non-Owner Occupied Allowed

Purchase investment properties, vacation homes, or condotels—primary residency is not required.

High Loan Amounts

Borrow up to $2 million, depending on the value of the property.

1. Do I need a U.S. Tax Identification Number (TIN) to qualify?
   No, a TIN is not required to apply or be approved for a foreign national mortgage.
   
   
2. Can I purchase a second home or an investment property?
   Absolutely. Foreign national loans can be used to purchase vacation homes, rental properties, or condotels.
   
   
3. What kind of credit history do I need?
   While a U.S. credit report is not necessary, we can consider:

• Credit reports from your home country
• Reference letters from banks, landlords, or service providers
• Utility and mobile phone bills as proof of responsible credit usage

4. Is U.S. residency or immigration status required?
   No. Your residency or immigration status is typically not considered during the approval process.

• Global Experience – We work with clients from around the world
• Tailored Loan Programs – Built specifically for international buyers
• Quick Approvals – Streamlined process with minimal documentation
• Multilingual Support Available – Assistance in your preferred language