Foreign National Mortgage Loans for Brokers Serving International Investors
Foreign National mortgage loans give brokers a clear path for non-U.S. borrowers purchasing or refinancing U.S. real estate. They are designed for international investors who may not have traditional U.S. credit, visa documentation, or an established U.S. financial history.
Series Z
Series 1
Foreign National
About program
A Foreign National loan is often the cleanest solution when a borrower is financially qualified but does not fit traditional U.S. mortgage requirements. This program may support non-U.S. residents purchasing or refinancing U.S. real estate without traditional U.S. credit, visa documentation, or an established U.S. financial history.
Key features
- Bank statement and P&L up to 80% LTV
- DSCR ≥ 1 up to 75% LTV
- No deposit sourcing
- No credit reference letters
- No asset seasoning in US account
- No visa
- Loan amounts up to $2.5m
- No 3rd party primary address verification
Required to Disclose
Unexpired Passport
(if applicable)
Purchase contract
(if applicable)
Complete loan application
(DO NOT include income & employment information.)
Submission form completed
Copy of lease agreement(s)
(if applicable)
Required to Underwrite
(in addition to above)
Unexpired Passport
(if applicable)
Purchase contract
(if applicable)
Complete loan application
(DO NOT include income & employment information.)
Submission form completed
Copy of lease agreement(s)
(if applicable)
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FAQ
Does an international borrower need a U.S. credit score to qualify for a Foreign National mortgage program?
No. This Foreign National mortgage program is designed for non-U.S. borrowers who may not have an established U.S. credit history. Alternative qualification methods help create a path for international investors to purchase or refinance U.S. investment properties.
Do foreign nationals need to season funds in a U.S. bank account before applying for a U.S. mortgage?
No. This program does not require fund seasoning or sourcing in a U.S. bank account. Foreign national borrowers can wire funds directly from an international bank to the U.S. title company at closing. This speeds up the loan process and helps mortgage brokers work more efficiently with international real estate investors.
Is a U.S. visa required for a Foreign National to qualify for a U.S. investment property loan?
No. A U.S. visa is not required for this Foreign National mortgage program. International buyers can purchase or refinance U.S. investment properties without holding a U.S. visa, allowing brokers to serve a wider range of non-resident borrowers. This program can also be a useful mortgage for non-permanent resident borrowers seeking to purchase or refinance U.S. investment property.
When is a Foreign National loan the best fit for a borrower?
Foreign National financing is often a strong fit for borrowers purchasing or refinancing U.S. investment property who lack traditional U.S. credit, income documentation, or financial history in the U.S. It can also provide a clear path for international investors, ITIN borrowers, and non-resident buyers.
When should a broker use Foreign National instead of DSCR or another non-QM program?
Foreign National financing is often the better option when the primary challenge is the borrower's international profile rather than income qualification. It is typically a cleaner solution for borrowers without U.S. credit, visa documentation, or a substantial domestic financial footprint.
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