A foreign national loan lets buyers who are not US citizens and do not hold a US visa finance property in the United States — using passport identification and international income rather than a Social Security number.
Share a few details and our team can Tell us your citizenship and the property you are considering — we will outline your options.
Prefer to talk now? 954-590-8464Foreign national loans are non-QM mortgages built for buyers who live outside the United States and are not US citizens or permanent residents. Qualification relies on international identification, foreign income, and assets rather than a US credit score.
These programs are widely used for US investment property and second homes. Ownership can often be held personally or through a US LLC, which matters for tax and estate planning.
The right program removes the US-credit-file requirement entirely.
Qualification can proceed without a US FICO score using international references.
A passport and visa or entry document serve as the identity basis for the file.
Income earned abroad is used to qualify, documented per the program.
Designed for US investment property and second homes rather than primary occupancy.
Borrowers with an ITIN rather than an SSN have dedicated options.
Ownership can be structured through a US entity where appropriate.
These are typical foreign national guidelines. Your exact scenario is reviewed one-on-one by a specialist.
Non-US citizens without a green card qualify; visa holders may have additional programs available.
No US score required on many programs — international references or a credit report substitute.
Commonly 20-30% depending on the program, property, and loan amount.
Foreign income verified via employment letters, tax documents, or bank statements.
Generally investment property or a second home; primary residence rules differ.
Typically 12 months of payments, reflecting the international profile of the file.
Complete one application and tell us about your goals and timeline.
We review your file, check FOREIGN-NATIONAL guidelines, and lock your rate.
We handle the details with your agent and title team — keys in hand.
Yes. Foreign national programs are built for exactly that situation. Identification is established through a passport and, where applicable, an ITIN, with qualification based on foreign income and assets.
Down payments typically run 20-30% depending on the program, property type, and loan amount. Investment property and larger loans generally require more.
Often yes. Many foreign national programs permit ownership through a US LLC, which buyers frequently use for tax and estate planning. The specifics depend on the program and the state.
Submitting the contact form does not trigger a credit inquiry. If a credit pull is needed, we explain the process and get your permission first.
Talk to an Eagles Funding Group specialist about your FOREIGN-NATIONAL options — we'll guide you from application to keys.
