Foreign National Loans
Mortgage financing for non-U.S. citizens — no Social Security number or U.S. credit history required. Invest in American real estate from anywhere in the world.
You don’t need citizenship to own property in the U.S. You just need the right lender.
What Is a Foreign National Loan?
A foreign national loan is a specialized mortgage product designed for non-U.S. citizens who want to purchase property in the United States. These loans don’t require a Social Security number, U.S. credit history, or U.S.-based income — making them accessible to international buyers and investors.
Whether you’re looking to buy a vacation home in California, invest in U.S. rental property, or purchase a residence while working in the States on a visa, foreign national loans provide a pathway to ownership that traditional lenders can’t offer.
Who Is This Best For?
Foreign national loans serve non-resident aliens, visa holders (H-1B, L-1, E-2, etc.), international investors, and anyone without permanent U.S. residency who wants to buy American real estate. They’re especially popular with international buyers looking at California coastal markets.
If you have the financial means to purchase property in the U.S. but lack the traditional documentation American lenders typically require, this program bridges that gap.
What You’ll Need to Qualify
- Passport: Valid foreign passport (no SSN required)
- Down payment: Typically 25-30% minimum
- Bank statements: Foreign bank statements showing sufficient assets and reserves
- Credit: International credit report or letter from a foreign bank may be used
- Property type: Primary residence, second home, or investment property
- ITIN: An Individual Taxpayer Identification Number (ITIN) may be required; we can help you obtain one
Documentation requirements are more flexible than traditional loans. Most programs accept foreign-language bank statements (with certified translations) and international income verification. The key factor is demonstrating sufficient assets and financial stability.
Key Advantages of Foreign National Loans
No SSN or U.S. Credit Required
The biggest barrier for international buyers is removed. You can qualify using your passport, foreign bank statements, and international credit references instead of U.S.-based documentation.
Multiple Property Types
Use a foreign national loan for a primary residence, vacation home, or investment rental property. This gives you flexibility whether you’re relocating, investing, or buying a getaway.
Flexible Documentation
Foreign bank statements, international income verification, and translated documents are all accepted. The underwriting process is designed to work with international financial documentation.
Competitive Loan Amounts
Finance properties up to several million dollars. High-net-worth international buyers have access to jumbo foreign national programs with attractive terms for luxury properties.
Common Questions About Foreign National Loans
Do I need to live in the U.S. to get this loan?
No — you don’t need to be a U.S. resident. Foreign national loans are specifically designed for non-residents. You can live anywhere in the world and still purchase U.S. property. However, you’ll typically need to visit the U.S. for the closing (or use a power of attorney in some cases).
What visa types are eligible?
Most visa types are eligible, including H-1B, L-1, E-2, O-1, TN, and others. Even visitors on B-1/B-2 tourist visas and individuals with no U.S. visa at all can qualify under the right program. Each situation is evaluated individually.
Can I use rental income to qualify?
Yes — if you’re buying an investment property, the projected rental income can be used to help qualify. This is especially useful for international investors building a U.S. rental portfolio. DSCR-based programs are available for foreign nationals.
What about tax implications?
Foreign nationals who own U.S. property have specific tax obligations including filing a U.S. tax return for rental income. FIRPTA (Foreign Investment in Real Property Tax Act) applies when you sell. I strongly recommend working with a CPA who specializes in international real estate taxation.
Let’s Explore Your U.S. Property Options
No pressure. No obligation. Just clarity.
Most people start with a quick call — it makes everything easier.
Garry McDonald | NMLS #1922072 | DRE# 01781703 | (949) 534-6686