This mortgage product is designed for foreign nationals wanting to purchase or refinance property in the United States.
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Are you self-employed and struggling to qualify for a traditional mortgage? We understand the unique challenges business owners face. Our specialized loan programs are designed for entrepreneurs, freelancers, and self-employed professionals who may not have conventional income documentation. With flexible qualification options including bank statement loans and asset-based lending, we help self-employed clients achieve their homeownership dreams without the hassle of traditional income verification.
Access an unmatched network of over 75+ trusted lenders—all with a single application. We shop for you, comparing programs and rates to ensure you get the best deal for your unique needs, whether you're purchasing a primary residence, vacation home, or investment property.
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A Foreign National mortgage loan is designed for non-U.S. citizens who want to purchase or refinance property in the United States. Borrowers typically reside and work in their home country. These loans use DSCR (Debt Service Coverage Ratio) qualification instead of traditional income verification, making them accessible to international buyers.
Yes. Unlike traditional mortgages, Foreign National loans do not require U.S. credit history or U.S. income documentation. Qualification is based on the property's cash flow (DSCR) with a 1:1 ratio. You'll need a valid passport, proof of funds for down payment, and property documentation.
Generally, yes. Foreign National loans typically require a minimum 30% down payment (up to 70% LTV). This higher down payment helps offset the risk associated with lending to borrowers without U.S. credit history.
Foreign National loans can be used for investment properties and vacation homes. Single-family residences, condos, townhomes, and multi-unit properties (2-4 units) may qualify depending on the lender and program guidelines.
We submit your loan scenario to our network of over 70 lenders simultaneously. Each lender provides their best rate and terms, allowing us to compare and present you with the most competitive options for your specific situation. One application, multiple offers.
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