Foreign National Loans & Non-U.S. Citizen Mortgages
Buying property in the U.S. is easier than you think. At USA Loans, we help international buyers and investors secure financing through our foreign national loan programs — designed for non-U.S. citizens who want to purchase or refinance real estate.
Our lending specialists simplify the process with fast approvals, clear communication, and flexible options that don’t require a U.S. credit history or income. Whether you’re an investor or buying a second home, we make cross-border financing seamless from start to close.
Get Your Foreign National Loan Started
Take the first step today. Tell us about your property goals and one of our loan specialists will contact you to discuss your best options.
15+ years of helping foreign nationals to buy a home in US
Why Choose USA Loans?
Foreign investors and international buyers choose us for experience, flexibility, and trust.
- Easy Qualification: No U.S. income or credit history required
- Expert Support: Lenders specialized in foreign national and non–U.S. citizen mortgage loans
- Flexible Programs: Options for purchase, refinance, or investment properties.
- Fast Approvals: Streamlined documentation and responsive communication.
- Bilingual Team: Support available in English and Spanish.
What Is a Foreign National Loan?
A foreign national loan allows non-U.S. citizens or non-residents to buy property in the United States without needing a Social Security number or U.S. credit history. These programs are ideal for international investors, ITIN holders, and buyers who live and work in their home countries but want to own or invest in U.S. real estate.
At USA Loans, qualification is based on global financial strength and alternative documentation such as bank statements, accountant letters, or foreign credit reports.
How Do Foreign National Loans Work?
Foreign national loans focus on the borrower’s international income and assets rather than U.S.-based employment. Loan amounts can reach up to $1.5 million, with flexible options including 5/6 ARM, 7/6 ARM, and 30-year fixed programs.
Funds can be used to purchase, refinance, or cash out on investment properties. Borrowers must live and work outside the U.S., and payments are made from an FDIC-insured U.S. bank account. Ownership through an LLC entity is permitted.
Foreign National Loan Requirements
Typical requirements include:
- Down Payment: 25% for single-family homes, 30% for condos.
- Identification: Valid passport, visa, and two photo IDs.
- Bank Reference Letter: Issued by a financial institution confirming account details and history.
- Financial Documentation if self-employed: Accountant’s letter detailing income source, ownership, and earnings over the past two years.
- Financial Documentation if salaried: Employer’s letter verifying salary, position, and pay stubs.
- Reserves: Minimum of 12 months, which may remain abroad.
- Maximum LTV: 70%.
- ACH Auto-Payment: Required from a U.S. FDIC bank account.
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