Foreign National Loan Program – Buy a Home in the USA Without Citizenship
Can Non-US Citizens Buy a Home in the USA?
Yes, you can! Even if you’re not a U.S. citizen, our Foreign National Loan Program makes it possible to purchase or refinance property in the United States. Whether you’re an investor, relocating, or simply want a second home, this program is designed to simplify the process for international buyers.
Key Features of the Foreign National Loan Program
Competitive Interest Rates – Affordable options tailored for foreign nationals.
Loan Amounts – Borrow up to $750,000 per property (minimum $100,000).
Flexible Loan Terms – Choose fixed-rate options (10, 15, 20, 25 & 30 years) or adjustable-rate mortgages (5/1, 7/1, 10/1).
Purchase or Refinance – Available for both buying a new home or refinancing an existing one.
Debt-to-Income Ratio – Up to 50% (with “assets for income” option).
No Prepayment Penalties – Pay off your loan early without fees.
Loan-to-Value (LTV) – Finance up to 75% of the property value (e.g., borrow $375,000 on a $500,000 home).
Property Types – Eligible for single-family homes, condos, and townhouses.
Manual Underwriting – Flexible review process for unique financial situations.
Self-Employed Borrowers Welcome – Available to foreign nationals with business income.
Seller Concessions – Up to 6% allowed for LTVs of 65% or lower.
Escrow Required – Taxes and insurance must be escrowed.
Who Can Benefit from a Foreign National Loan?
This program is ideal for:
Non-U.S. Citizens who want to purchase real estate in the USA.
Investors looking to expand their property portfolio.
Self-employed foreign nationals with non-traditional income sources.
Second-home buyers wanting a vacation or seasonal property.
Frequently Asked Questions (FAQ)
1. Can I get a mortgage in the U.S. without a Social Security Number?
Yes! Many foreign national loans do not require an SSN, but you will need a valid passport and visa documentation.
2. Do I need to live in the U.S. to qualify?
No. Foreign national loans are available for non-resident buyers and investors.
3. What documents are required?
Typically, lenders require a valid passport, visa, proof of income/assets, and bank statements.
4. Can I buy an investment property with this loan?
Yes, the program allows purchases of single-family homes, condos, and townhouses for investment or personal use.
5. Is mortgage insurance required?
Unlike FHA loans, foreign national loans usually don’t require mortgage insurance, but down payment and LTV limits apply.
Start Your Journey to U.S. Homeownership Today
With our Foreign National Loan Program, owning property in the United States is easier than you think. Whether you’re buying your first U.S. home or adding to your investment portfolio, we’ll guide you through every step of the process.
📞 Contact us today to learn more about our Foreign National Mortgage options and get started on your path to homeownership in the USA.
