Foreign National & International Buyer Loans U.S. Property Financing for International Buyers
You don't necessarily need to be a U.S. citizen or permanent resident to finance real estate in the United States.
MyLoanDesk provides access to mortgage programs designed for eligible foreign nationals and international buyers purchasing or refinancing U.S. real estate. Whether you're purchasing a vacation home, second home, rental property, or investment property, we'll help you explore available financing options.
What Is a Foreign National Mortgage?
A foreign national mortgage is designed for eligible non-U.S. borrowers who want to finance property in the United States but may not meet the documentation requirements of a traditional U.S. mortgage.
Instead of relying exclusively on U.S. income, credit, or tax documentation, specialized lenders may consider international income, assets, credit references, and other documentation.
Foreign national financing may be appropriate for eligible borrowers who:
- Live primarily outside the United States
- Want to purchase U.S. real estate
- Have limited or no U.S. credit history
- Earn income outside the United States
- Hold assets in foreign financial institutions
- Want to purchase U.S. investment or second-home property
Property Financing Options
Depending on the lender and borrower profile, financing may be available for:
Investment Properties
Purchase U.S. rental property and build a real estate portfolio.
Second Homes
Finance an eligible second home or vacation property.
Condominiums
Programs may be available for eligible condominium properties.
Rental-Income-Based
Certain investment programs focus primarily on property rental income rather than traditional U.S. employment.
No U.S. Credit History?
That doesn't automatically prevent financing.
Certain foreign national programs are specifically designed for borrowers without traditional U.S. credit profiles. Depending on the lender, international credit references or other documentation may be considered.
What Documentation Is Typically Needed?
Requirements vary by lender but may include:
* Foreign documents may require translation or additional verification. We'll tell you what is required after reviewing your situation.
Why MyLoanDesk?
International borrowers don't fit neatly into traditional mortgage guidelines.
We work to identify financing programs that accommodate foreign income, assets, credit history, residency status, and the intended use of the property.
Buying property in the United States from abroad?
Let us help you evaluate specialized non-resident mortgage programs.
Discuss My Financing OptionsEstimate Your U.S. Property Financing
Calculate your projected down payment requirement, loan balance, and liquidity reserves in USD.
Foreign National Mortgage FAQs
Can a non-U.S. citizen buy property in the United States?
Generally, foreign ownership itself does not prevent someone from purchasing U.S. real estate, although financing, tax, legal, and other requirements can differ.
Do I need U.S. credit?
Not necessarily. Some foreign national mortgage programs permit alternative credit documentation.
Can foreign income be used?
Potentially. Documentation and verification requirements vary by lender.
Can I finance a U.S. investment property?
Yes, subject to lender, borrower, and property requirements.
Can I qualify based on rental income?
Certain investment-property programs may use the property's rental income as an important part of qualification.
Investing in U.S. Real Estate? Start With the Financing.
Foreign national lending requirements, eligible residency classifications, documentation, property types, rates, terms, and availability vary by lender. Borrowers should consult appropriate tax and legal professionals regarding the implications of U.S. property ownership.