Purchase pathway
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.
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
Confirm documentation availability
Passport, visa where applicable, credit reference letters and verified assets are the core of the file.
Plan for larger down payment and reserves
Requirements are set by the investor and are higher than agency financing.
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
Foreign National Mortgages
Financing for buyers without U.S. credit, residency, or domestic income.
Learn more InvestmentDSCR Loans
Investment property financing qualified on rent, not personal income.
Learn more CoreJumbo Loans
Financing above conforming loan limits for higher priced homes.
Learn moreFrequently Asked Questions
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.