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.
Texas leads the nation in population growth, with the Houston, Dallas-Fort Worth, Austin, and San Antonio metros each adding tens of thousands of new residents per year. Strong job markets in tech, energy, and healthcare keep buyer demand steady, and Texas has no state income tax.
A mortgage program built for non-U.S. citizens purchasing property in the United States — without requiring an SSN, ITIN, or U.S. credit history.
Foreign National loans use international documentation — a valid passport, visa, foreign credit reference, and proof of foreign income or assets — instead of the standard U.S. tax returns and credit reports.
These loans are typically used for vacation homes, second homes, and investment properties. Primary-residence financing is generally not available to non-residents under foreign national programs (though residents on certain visas may qualify for traditional financing).
Lending Arena specializes in foreign national transactions across our licensed and partner footprint. We coordinate remote signing where allowed, accept international wire transfers for down payments, and handle the IRS / FIRPTA paperwork at closing.
Built for international buyers — no U.S. ties required.
Qualify with a passport and visa. No Social Security Number, no ITIN, and no U.S. credit history needed.
Finance second homes, vacation properties, and investment real estate up to $5M+ in loan amount.
Where the property location and lender allow, we coordinate remote notarization and signing so you don't need to fly in.
What you'll typically need to qualify.
Valid passport and visa (or visa waiver-eligible country). Foreign credit reference letters from your home-country bank are accepted in lieu of a U.S. credit report.
Most foreign national programs require 25-30% down. Stronger profiles can sometimes go to 20%.
6-12 months of mortgage payments held in a U.S. bank account at closing is typical.
1-4 unit residential or investment property. Primary-residence financing for non-residents is generally not eligible.
From international application to U.S. closing.
We discuss your buyer profile, target property, and home-country documentation.
Submit passport, visa, foreign credit references, and proof of income or assets.
We work with foreign-national-specialty lenders to underwrite and approve the loan.
Coordinate remote notarization where allowed, or in-person closing at the property location.
Answers to the most common questions about foreign national loans in Texas.
Lending Arena offers the full mortgage product set across Texas. See what else might fit your situation.
Lending Arena, NMLS #1603937. Licensed by the Texas Department of Savings and Mortgage Lending. Texas A6 home equity transactions are subject to the disclosures and protections of Texas Constitution Section 50(a)(6). Equal Housing Lender. This is not a commitment to lend. CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.