Foreign National Loan

Foreign national mortgage programs provide a financing option for non-U.S. citizens without permanent residency who wish to purchase property in the United States. These programs are offered by specialty lenders with their own guidelines — they are not backed by any U.S. government agency. Because standard U.S. credit reports and domestic income documentation are typically unavailable, lenders rely on international financial records: bank statements from foreign institutions, international credit references, employment or business documentation from the borrower's home country, and substantial down payment and reserve requirements. Foreign national loans generally require significantly larger down payments than domestic programs — often 30% or more — and carry higher loan pricing to reflect the additional complexity and documentation risk. These programs can be a useful option for international buyers who have clear financial standing but lack U.S. financial history. If you are a non-U.S. resident interested in purchasing property here, we are glad to discuss what documentation would be involved and what options may be available for your situation.