Typically, a foreign national is someone who:
Lives outside the U.S.
Does not have a U.S. Social Security number
Does not hold a U.S. Green Card or permanent residency
Is visiting the U.S. on a visa (tourist or temporary)
Most programs allow:
Single-family homes
Condos and townhomes
2–4 unit properties
Second homes/vacation homes
Investment properties
Some lenders may allow non-warrantable condos.
Typical down payments range from 25%–40%, depending on:
Credit profile
Country of origin
Property type
Loan amount
Investment properties may require higher down payments.
A Foreign National Loan Program is designed for non-U.S. citizens who want to purchase or invest in U.S. real estate but do not have U.S. credit, income, or residency. These loans use alternative documentation and rely heavily on international financial strength.
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.
Whether you're purchasing a vacation home in Florida, investing in rental properties, or expanding your international portfolio—our team is here to help.
