Buying a Home in the U.S. as a Foreign National
Yes — you can purchase a home in the United States as your primary residence, even if you live and work abroad. Here's how it works.
Nationally Licensed Broker • Equal Housing Lender
What is a Foreign National Loan?
It's a special loan designed for people who:
- Live outside the U.S.
- Earn income outside the U.S.
- Do not have a U.S. Social Security Number
- Want to buy a home in the United States
These programs use foreign income, foreign credit, and foreign assets.
You do NOT need U.S. tax returns or U.S. credit.
What Can You Buy?
You can use this program to purchase:
Primary Residence
A home you plan to live in
Second Home
Vacation property
Investment Property
Rental or investment
Most countries are eligible.
Program Highlight: Owner-Occupied Primary Residence
For Real Estate Agents
"Hey, quick heads up — if you ever have a client who lives and works abroad but wants to buy a home here as their primary residence, we can actually finance that. Most lenders only allow investment properties for foreign nationals, but we've got full owner-occupied FN programs available."
How the Conversation Works
"Are you currently living and working outside the U.S. and looking to buy a home here as your primary residence while staying abroad full-time or part-time?"
"Perfect — we have Foreign National programs designed exactly for that. These allow you to buy a primary residence in the U.S. without U.S. income, U.S. tax returns, or a Social Security Number."
"The biggest benefit is that you can purchase a home in the U.S. as your primary residence without needing U.S. credit or tax returns, and we can go up to 90% LTV depending on your profile."
How Much Can You Borrow?
Depending on the lender and file strength:
- Up to 90% financing for strong borrowers
- Typically 65–80% financing for most international buyers
We will confirm which option fits you best.
What You Need to Qualify
Required Documents
Here's what we'll need from you:
- Valid passport and visa (if applicable)
- Proof of income from your home country
- 12 months of mortgage payments in reserves
- Funds for down payment and closing costs
- A U.S. bank account so we can set up automatic payments
Everything can be documented using foreign bank statements and foreign income letters — we'll guide you through it.
What Documents Do You Need?
Very simple — you can use documents from your home country:
- •Passport
- •Foreign income letter (from employer or accountant)
- •Bank statements (foreign or U.S.)
- •Proof of assets for down payment
- •Credit references
All non-English documents just need a certified translation.
Do You Need a U.S. Bank Account?
Yes — before closing, you'll open a U.S. bank account so your mortgage can be paid automatically each month.
How We Qualify You
Your approval is based on the strength of your income, savings, and credit history in your home country. We make the process simple and walk you through every step.
"These programs are built for foreign buyers, so the guidelines are flexible. We just need to verify your income, assets, and that you can comfortably handle the payment. We'll handle all the U.S. requirements on our end."
What You Should Expect
- 12 months of reserves (savings) recommended
- Closing process usually 30–45 days
- We guide you from start to finish
Real Estate Agent? Working with Foreign Nationals?
"Any clients abroad looking to buy here as their primary residence — send them my way. Most lenders can't do it. We can. It's one of the cleanest programs in the market right now."
Ready to Get Started?
Here's what I need to review your eligibility:
- •Your country of residence
- •Estimated home price and down payment
- •Income documentation (from your country)
- •Most recent bank statements
That's it — once I have these, I can confirm the best options and next steps.
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