Foreign National Loan Program for Non-U.S. Citizens
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What Is a Foreign National Loan?
A Foreign National loan is a mortgage program designed for non-U.S. citizens who want to purchase or refinance property in the United States.
This program allows foreign investors to qualify without: U.S. credit history, Social Security number and U.S. tax returns.
Instead, qualification is based on financial strength in your home country and investment capacity.
Foreign National Loan Features
- No U.S. credit required
- No Social Security number required
- Up to 75% LTV for single-family homes
- Up to 70% LTV for condos
- Investment properties allowed
Foreign National Loan Requirements
To qualify for a foreign national loan, most lenders evaluate:
Down Payment
Single-Family Home (SFR): 25% down payment Condominium: 30% down payment Maximum LTV: Typically 70–75%
Identification
Valid passport, Valid visa (if applicable) or Two photo IDs. Bank Reference Letter Income Documentation
Additional Requirements
Utility bill to confirm address U.S. bank account (for ACH payments) Asset verification
Why Choose USA Loans for Foreign National Financing?
We simplify cross-border financing from start to closing.
- Experience with international borrowers
- Clear documentation checklist
- Fast underwriting review
- Investment-focused structuring
- Bilingual support
Foreign National Mortgage FAQs
Common questions about Foregin National Loans
Do I need a U.S. Social Security number?
No. This program does not require a Social Security number.
Do I need U.S. credit history?
No. Qualification is based on international financial strength.
What is the minimum down payment?
Typically 25% for single-family homes and 30% for condos.
Do I need to open a U.S. bank account?
Yes, most programs require a U.S. bank account for payment processing.
