Foreign National Mortgage Program

Foreign National mortgage programs are for international buyers and investors who want to purchase property in the United States. These programs allow non-U.S. citizens without Social Security numbers, U.S. credit history, or traditional income documentation to obtain financing.

FOREIGN NATIONALS PROGRAM HIGHLIGHTS:

• Credit Score: N/A
• Max LTV Up to 80%
• Loans up to $3 million for 2nd homes and up to $2 million for DSCR
• Second Home or Investment Property
• Full Doc and DSCR
• Certain Programs unlimited Cash In Hand for LTV <=65%
• DSCR program down to .75 ratio
• Cannot reside in the United States
• Closing in a U.S. LLC entity permitted
• No VISA option available
• Assets sourced and seasoned for 60 days – must be in a U.S. FDIC-insured bank for a minimum of 10 days.
• 6-month reserve option with a 5% reduction to LTV, and reserves may remain in a foreign account
• Gift funds allowed

We work with many foreign nationals who want to purchase property in the US or already have properties and are looking to cash out. Our team of experts is standing by to provide you with the right information you need for foreign national lending. Contact our office and we’ll connect you with a professional who can guide you in the right direction.