Foreign national loans let buyers who are not US citizens or permanent residents finance property in the United States. They exist because conventional underwriting assumes a US credit file and a Social Security number, and most overseas buyers have neither.
Qualification looks different: instead of a US credit score, lenders generally work from your passport and visa status, a letter of reference from your home-country bank, and documentation of income or assets abroad. A larger down payment is typical, and terms vary widely between lenders — which is exactly where a broker earns their keep.
We place these loans for second homes, investment property and primary residences alike. Tell us your citizenship, where your income is earned and what you're buying, and we'll tell you which of our wholesale lenders will look at the file.
