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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.
A foreign national loan is right for you if you are a non-U.S. citizen without a Social Security number who wants to purchase property in the United States. These programs do not require U.S. credit history and accept international documentation.
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Min Down Payment
25%
Max LTV
75%
Max DTI
43%
Loan Limits
Up to $3 million depending on program
PMI / MIP
No traditional PMI; rate reflects program-specific risk
Occupancy
Second home or investment property
We discuss your property goals, review your visa status, and determine the best foreign national program. We explain documentation requirements and the U.S. purchasing process.
Submit your application with passport, visa documentation, international credit references or bank letters, and proof of funds. No SSN or U.S. credit history required.
The underwriter reviews international documentation, verifies funds, and assesses the property. Foreign national underwriting focuses on assets and property value.
Complete the purchase with international wire transfer or U.S. bank account funds. We coordinate with title companies experienced in foreign national transactions.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
Explore other loan products that might be a good fit for your needs.
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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.
A traditional mortgage not insured by the federal government. Ideal for borrowers with strong credit and stable income who want competitive rates and flexible terms.
Apply online in minutes or call us to speak with a loan advisor about your Foreign National options.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
These FAQs are generated with AI assistance and reviewed periodically. For personalized advice about your specific situation, please call us or apply online.