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Manny Oloyede | NMLS 1824463

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Foreign National Buyers

Buyers who are not U.S. citizens or permanent residents can finance U.S. property through foreign national programs, which substitute alternative documentation for the U.S. credit and income records that agency loans require.

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Who this is for

  • Non resident buyers purchasing investment or vacation property
  • Buyers on visa types outside standard agency guidelines
  • Buyers with no U.S. credit history

How the process works

  1. Confirm documentation availability

    Passport, visa where applicable, credit reference letters and verified assets are the core of the file.

  2. Plan for larger down payment and reserves

    Requirements are set by the investor and are higher than agency financing.

  3. Decide on vesting

    Entity vesting is often permitted on investment purchases and should be decided before contract.

Common mistakes

  • Assuming a U.S. bank account alone is enough documentation
  • Not allowing time for translation and certification of documents
  • Beginning the search before confirming eligibility

Loan programs that apply

Specialty

Foreign National Mortgages

Financing for buyers without U.S. credit, residency, or domestic income.

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DSCR Loans

Investment property financing qualified on rent, not personal income.

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Jumbo Loans

Financing above conforming loan limits for higher priced homes.

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Frequently Asked Questions

Foreign national programs are structured for buyers without one. Documentation requirements differ from agency loans and vary by investor.

Yes. There is no citizenship requirement to own U.S. real estate, and financing options exist for buyers without U.S. residency.

Often yes. Programs may accept an international credit reference or alternative credit documentation instead of a U.S. credit score. Requirements vary by lender and country.

Not necessarily. Foreign income or, for investment properties, the property's rental cash flow may be used depending on the program.

Typically a valid passport and visa where applicable, proof of funds, and income or asset documentation, sometimes translated. The exact list depends on the program and property.

Foreign national financing generally requires a larger down payment than financing for U.S. residents. The amount depends on the lender, property type and documentation provided rather than a single fixed figure.

Yes. Investment purchases are common and may be financed with DSCR style programs that focus on rental cash flow.

Many foreign national and investor programs allow closing in a U.S. entity with the required entity documents and guarantees.

Reserves are common on these programs, and the number of months required varies by lender, property and borrower profile. Confirm the requirement for your specific scenario.

Ready for the next step?

We will review your documents and give you a preapproval you can use with confidence. Not a commitment to lend.

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