Foreign National

Foreign National loans are designed for borrowers who live outside of the United States and would like to purchase a second or investment home.

  • Up to 75% LTV
  • No US credit required
  • Fewer country restrictions
  • DTI up to 50% considered
  • Second homes and investment properties
  • SFRs, townhomes, condos, 2-4 units
  • No SSN or ITIN required
  • 12 months reserves required
  • Non-warrantable condos considered
  • 5/1 ARM or 30-year fixed
  • Loans up to $750,000 (minimum $75,000)
  • Seller concessions up to 2%

Documents needed

  • Visa and Passport
  • Three Credit Reference Letters from your country.
  • Letter from employer verifying employment and wages (for employees)
  • CPA or Accountant letter reflecting annual gross income for 2 years, including year to date income.
  • Additional documents such as signed loan application and disclosures, clear title, appraisal, etc.