✈️ Foreign National Loans
You don’t need a U.S. passport to own U.S. real estate.
Foreign national programs finance non-U.S.-citizens without U.S. credit or U.S. income — typically pairing a larger down payment with streamlined documentation from your home country. Most often used for investment property and second homes, frequently in a DSCR structure where the property qualifies itself.
Is this you?
Foreign National Loans tend to be a great fit for…
- Non-resident investors buying U.S. rental property
- International buyers wanting a U.S. second home
- Buyers with strong finances abroad but no U.S. credit footprint
Questions investors actually ask
Foreign National Loans: straight answers
What documentation replaces U.S. credit?
Typically a valid passport (and visa where applicable), a bank reference letter from your home institution, and sourced funds for the down payment and reserves. Some programs accept international credit reports where available.
Can I close from abroad?
Often yes — remote closings via power of attorney or embassy/consulate notarization are common in these programs. Logistics vary by country and title company; we’ll coordinate the specifics early so closing week is boring.
Do I need a U.S. bank account?
You’ll generally need one for the transaction and for making payments — usually straightforward to open, and we can point you at the sequence that keeps underwriting happy.
Keep exploring
DSCR Loans
The rental’s income does the qualifying — no tax returns, no W-2s, no personal DTI math.
Learn more →Bank Statement Loans
Your deposits tell the income story — 12 or 24 months of statements instead of tax returns.
Learn more →1099-Only Loans
Qualify straight off your 1099s — no tax returns, no expense archaeology.
Learn more →Not sure if foreign national loans fit your deal?
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