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Key Highlights
The Benefits
No U.S. Citizenship Required
Qualify as an eligible international borrower.
Alternative Documentation
Use eligible foreign income, credit, or assets.
Multiple Loan Options
Explore several Non-QM qualification methods.
What's Required
Identity Documentation
A valid passport and visa may be required.
Financial Verification
Income, assets, or property cash flow are reviewed.
Larger Down Payment
Foreign National programs often require more upfront equity.
The Ins & Outs
How it Works
Foreign National mortgage programs help eligible non-U.S. citizens purchase or refinance real estate in the United States. These programs are designed for borrowers who may not have a Social Security number, U.S. credit history, permanent residency, or traditional domestic income documentation.
Foreign National financing may be available across several Non-QM products, including full-documentation, asset-based, bank statement, DSCR, and other alternative qualification programs. Options may be available for primary residences, second homes, and investment properties, depending on the lender and borrower profile.
Example Scenario
An international real estate investor wants to purchase a rental property in the United States but does not have U.S. credit or domestic employment income. A Foreign National Non-QM program may allow the investor to qualify using foreign financial documentation, available assets, or the property's rental income.
What is a Foreign National mortgage?
A Foreign National mortgage is designed for eligible non-U.S. citizens financing real estate in the United States.
Do I need a Social Security number?
Not always. Some lenders may accept alternative identification, such as an Individual Taxpayer Identification Number or valid passport.
Is U.S. credit required?
Not always. Depending on the lender, foreign credit references, international credit reports, or alternative documentation may be accepted.
What types of properties can I finance?
Eligible options may include primary residences, second homes, vacation homes, and investment properties, depending on the program.
How can I qualify for a Foreign National loan?
Qualification may be based on foreign income, assets, bank statements, credit references, or property rental income through a DSCR program.
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