Designed for non-U.S. citizens looking to invest in or purchase property in the United States. No Social Security Number required — we help international buyers navigate U.S. real estate financing with confidence.
No obligation. No credit check to get started.
A mortgage program specifically designed for non-U.S. citizens and non-permanent residents who want to purchase or invest in U.S. real estate.
A Foreign National Loan is a specialized mortgage product that allows non-U.S. citizens to purchase property in the United States without needing a Social Security Number or, in some cases, an Individual Taxpayer Identification Number (ITIN). These loans are tailored to the unique needs of international buyers who may not have U.S. credit history or traditional documentation.
Non-U.S. citizens looking to buy or invest in American real estate
Whether you are an international investor, a foreign professional working abroad, or simply looking for a vacation home in the U.S., this program provides a clear path to ownership.
Foreign National Loans are available for investment properties and second homes. Borrowers can use a valid passport, visa documentation, and foreign credit references or alternative documentation to qualify. Down payments typically start at 25-30%, and loan amounts can range from $100,000 to several million dollars.
Qualify using your passport and foreign documentation. No U.S. tax ID needed in many cases.
Finance rental properties, vacation homes, condos, and multi-unit residential properties.
Competitive financing for properties ranging from condos to luxury estates.
Use foreign credit reports or alternative documentation to establish creditworthiness.
Foreign National Loans remove the barriers that typically prevent international buyers from owning U.S. real estate.
You do not need a Social Security Number to qualify. In many cases, an ITIN is not required either. Your valid passport and foreign documentation are sufficient to begin the process, making U.S. property ownership accessible to international buyers worldwide.
Finance rental income properties, vacation homes, and second residences across the United States. Whether you are looking for a beachfront condo, a rental property in a major metro, or a luxury estate, this program has you covered.
Our team specializes in international lending and understands the unique documentation requirements for foreign nationals. We guide you through every step, from application to closing, ensuring a smooth and efficient experience.
Foreign National Loans have clear, straightforward requirements designed to accommodate international buyers.
A valid foreign passport is required as your primary identification. Depending on the program, a current visa or proof of legal entry to the U.S. may also be needed. We accept passports from virtually every country worldwide.
Most Foreign National Loan programs require a 25-30% down payment. Funds can come from foreign bank accounts, and we help you navigate the documentation process for sourcing and transferring funds from overseas.
No U.S. credit history is needed. We accept foreign credit reports, international bank references, and alternative documentation such as letters from foreign financial institutions to establish your creditworthiness.
Foreign National Loans are available for single-family homes, condominiums, townhomes, and 1-4 unit residential investment properties. Both second homes and investment properties are eligible across most U.S. markets.
This program is designed for a wide range of international buyers and investors.
Foreign nationals looking to diversify their portfolio with U.S. real estate investments, including rental properties and commercial holdings.
U.S. expats living abroad or foreign nationals relocating who want to purchase a home or investment property before or during their transition.
Business professionals, diplomats, and executives based outside the U.S. who want to own property for personal use, business travel, or long-term investment.
Getting a Foreign National Loan is straightforward. Here is what to expect from start to close.
Connect with our international lending team to discuss your goals, property type, and financial situation. We will outline the documentation you need and the best program for your purchase.
Provide your passport, visa (if applicable), proof of income or assets from your home country, and foreign credit references. Our team handles the translation and verification process.
Once your documentation is reviewed and verified, you receive a pre-approval letter so you can confidently make offers on U.S. properties with the backing of a committed lender.
We coordinate the closing process, including working with title companies experienced in foreign national transactions. Remote closings are available, so you do not need to be in the U.S. to finalize your purchase.
Everything you need to know about Foreign National Loans for U.S. property purchases.
Fill out the form and one of our international lending specialists will reach out within 24 hours.
Our team has extensive experience working with foreign nationals from around the world. We understand the unique challenges and documentation requirements for international buyers.
Lending Arena is a licensed mortgage company (NMLS #1603937) with a proven track record helping international clients navigate U.S. real estate financing.
You do not need to be in the United States to close on your property. We coordinate remote closings so you can finalize your purchase from anywhere in the world.
We work with top lenders experienced in foreign national financing to secure the most competitive rates and terms available for your purchase or investment.
No obligation. No credit check to get started.