Foreign National loans allow qualified non-U.S. residents to purchase property in the United States without relying on traditional U.S. income or credit documentation. Depending on the program, qualification may be based on foreign income, assets, international credit history, or other alternative documentation.
 

Who Is a Foreign National Loan Best For?
 

A Foreign National loan may be a great fit for buyers who live and earn income outside the United States but want to purchase U.S. real estate. These programs are especially useful for second-home buyers, international investors, and borrowers without an established U.S. credit profile.  Several investors also allow NO US credit.
 

Examples:
 

• An international buyer purchasing a U.S. investment property.

• A borrower earning income primarily outside the United States.

• A buyer without a traditional U.S. credit history.

• A foreign national purchasing a second home or vacation property.
   

Requirements vary by investor and may include a larger down payment, verified reserves, passport or visa documentation, and proof of foreign income or assets.