Invest in U.S. Real Estate Without U.S. Credit

No SSN, no U.S. credit history required — mortgage solutions for international buyers

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Your Challenges

We Understand Your Challenges

Every borrower's situation is unique. Here's how we help you overcome common obstacles.

No U.S. credit history or Social Security number to qualify with traditional lenders

Unfamiliarity with the U.S. mortgage process, documentation requirements, and closing procedures

Difficulty transferring international funds and meeting U.S. anti-money-laundering documentation

Language barriers when working with American lenders, realtors, and title companies

Your Options

Loan Programs for You

Based on your borrower profile, these programs may be a great fit.

Foreign National Loans

Mortgage solutions for non-U.S. citizens looking to purchase property in the United States. Competitive rates and terms with no Social Security number required.

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Non-QM Loans

Flexible mortgage solutions for borrowers who do not meet traditional lending criteria. Includes bank statement loans, P&L loans, and ITIN loans for self-employed and non-traditional income earners.

Min. Credit Score: 620

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DSCR Loans (Investors)

Debt Service Coverage Ratio loans for real estate investors. Qualification is based on the property's rental income rather than personal income, making it ideal for portfolio builders.

Min. Credit Score: 640

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Eligibility

Do You Qualify?

Review these common eligibility criteria to see if you may be a good fit.

  • Valid passport and visa documentation (B-1/B-2, H-1B, L-1, E-2, etc.)
  • International credit references or bank reference letters from your home country
  • Proof of funds showing sufficient assets for down payment and reserves
  • Down payment of 25-30% for most foreign national programs
  • ITIN holders may qualify for additional Non-QM programs with improved terms

Our Clients Love Us

We've helped hundreds of borrowers achieve their homeownership goals.

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FAQ

Frequently Asked Questions

No. Our foreign national programs do not require a Social Security number. You can qualify using your passport, visa documentation, and international financial records. If you have an ITIN, additional program options may be available with potentially better terms.
Most visa types are accepted including B-1/B-2 (tourist/business), H-1B (specialty occupation), L-1 (intracompany transfer), E-2 (investor), F-1 (student with qualifying income), and others. The property type you can purchase may vary based on your visa.
Yes. Investment properties and second homes are the primary property types for foreign national loans. Some programs may allow primary residence purchases for visa holders who demonstrate they will live in the U.S. long-term (such as H-1B holders).
Typically: bank reference letters showing account history, international credit references, 2-3 months of bank statements demonstrating sufficient funds, employment letter or business ownership documentation, and proof of income. All documents should be translated to English if not already.
Funds must be wired from your verified bank account to the U.S. title company or escrow agent. You will need to provide documentation showing the source of funds and wire confirmation. We recommend starting the transfer process 2-4 weeks before closing to account for international processing times.

Ready to Get Started?

Take the first step toward your mortgage goals. Our team is here to guide you.

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(714) 399-6361

Reviewed by Joann Ton, Loan Officer (NMLS# 1461031) | Last updated: June 2026