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Foreign National Loans

Foreign National Loans

At Foundation Mortgage, we offer Foreign National Loans to help non-U.S. residents invest in U.S. real estate—even without a Social Security Number, U.S. credit score, or traditional income verification. These loans are ideal for international investors, expats, and foreign nationals seeking a reliable way to purchase second homes or rental properties in the United States.

If you want to learn more about how we work with international clients, please visit our About Us page.

Min FICO: N/A Max LTV: 80%

Why Choose Our Foreign National Mortgage Programs?

  • No U.S. credit score, reference letters, or primary housing history required
  • No visa needed if vesting in an LLC
  • Use international bank statements and asset documentation
  • Flexible qualification, including DSCR and Full Doc options
  • Properties may be titled under U.S. LLCs or corporations

Not sure where to start? Contact us today to speak with a mortgage advisor experienced in foreign national lending.

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Program Highlights

  • Loans up to $3 million for second homes, and up to $2 million for DSCR
  • Eligible for second homes and investment properties
  • DSCR qualification available with ratios down to 0.75
  • Full doc and no-income-verification (DSCR) options
  • No visa required if vesting in an LLC
  • Assets must be seasoned for 60 days and held in a U.S. FDIC-insured bank for at least 10 days
  • 6-month reserve option with a 5% LTV reduction; reserves can remain in foreign accounts
  • Gift funds allowed
  • No U.S. residency permitted during the loan process

Frequently Asked Questions (FAQs)

1. Who qualifies for a Foreign National loan?

These loans are for non-U.S. citizens who live and work abroad, don’t hold a U.S. green card or Social Security number, and want to purchase real estate in the U.S. for investment or personal use.

2. What documents are typically required?

Borrowers will usually provide a valid passport, proof of foreign residency, and income or asset verification through foreign bank statements. In many cases, no U.S. documentation is required.

3. Can Foreign National loans be used for second homes?

Yes. While many borrowers use this program for investment properties, we also offer options for second homes and vacation properties depending on your profile.

4. Is U.S. credit history needed?

No. You do not need a U.S. credit score. We do not require credit reference letters or foreign credit reports, which simplifies the process for most international buyers.

5. What are the typical down payment requirements?

Expect to bring a 25% to 30% down payment, depending on the property type, loan size, and LTV limits. For higher LTVs, stronger reserves or documentation may be required.

Start Your U.S. Property Investment Journey Today

Whether you’re buying a vacation home or building a rental portfolio, our Foreign National Loan programs provide the flexibility and guidance you need—without the typical U.S. documentation requirements.

Connect with us to get pre-qualified and learn more about financing real estate in the United States as a non-resident investor.