Foreign National Loans

No problem. Our Foreign National Home Loan program is designed specifically to make homeownership in the U.S. more accessible for non-citizens. Whether you're investing, relocating, or purchasing a second residence, our flexible Foreign National Mortgage Loans can help. While the requirements differ from conventional or federally insured loans, we specialize in simplifying the process.

With years of experience in handling Foreign National Loans, we’re confident we can structure the right solution to fit your financial goals and property needs.

• Our Foreign National Home Loan program offers competitive interest rates tailored to meet the needs of non-U.S. residents looking to invest in U.S. real estate.
• You can borrow up to $750,000 per property (minimum amount borrowed is $100,000).
• Multiple fixed-rate terms to choose from (10, 15, 20, 25 & 30 years).
• Adjustable-rate options are also available (5/1, 7/1, 10/1).
• Whether you’re purchasing a new property or refinancing an existing one, our Foreign National Mortgage Loans are designed to offer flexibility and ease.
• Debt-to-income ratios are capped at 50%, with an "assets for income" option available.
• No pre-payment penalties apply.
• We finance up to 75% loan-to-value (for example, if the home is worth $500,000, we can lend up to $375,000).
• This program supports various property types including single-family homes, condos, and townhouses.
• All Foreign National Loans are manually underwritten, providing personalized review and consideration.
• Self-employed foreign national borrowers are also eligible.
• Some seller concessions are allowed (up to 6% with a max of 65% LTV).
• Taxes and insurance escrows are required on all loans.