U.S. financing for international buyers

Foreign National Loans for U.S. Property

Your U.S. property plans. Our guidance, wherever you live.

Buying a U.S. property while living abroad? We help eligible international buyers explore financing, compare available lender options, and understand the steps from application to closing.

Explore My U.S. Property Options

Investment property options and select second-home programs may be available. Your residency, property use, and lender requirements determine the fit.

A residential property with two front entrances and landscaped grounds.

Start with your situation

Where you live helps determine your options.

I live outside the U.S.

Foreign national programs may help non-U.S. citizens who live abroad buy or refinance eligible U.S. property. Some use rental income to qualify; others review overseas income or eligible assets.

Many programs are limited to investment properties. Second-home eligibility varies.

I live in the U.S., but am not a citizen.

You may qualify for a conventional mortgage if you meet legal residency, income, credit, and other requirements. A specialized foreign national loan may not be necessary.

We help identify the appropriate path for your residency and financial profile.

How qualification can work

Different situations. Different ways to qualify.

Rental property cash flow

The property’s income

Some investment loans compare rental income with the property’s monthly housing costs. This approach is called DSCR.

Documented foreign income

Your earnings abroad

Other programs evaluate income earned outside the U.S., supported by the lender’s required financial documents.

Eligible financial assets

Your financial resources

Select programs use qualifying assets to assess repayment ability. Eligible accounts, locations, and calculations vary.

These are possible qualification approaches, subject to current program availability and your scenario. They do not remove the lender’s eligibility, credit, or documentation review.

Prepare with confidence

What to review before you make an offer

Property & use	Rental, second home, or primary residence? Tell us how you plan to use it so we can review suitable programs.
Residency & ID	Where you live, your identification, and any applicable visa or residency documentation affect eligibility.
Credit review	Some programs accept borrowers without U.S. credit history, using alternative documentation and their own review standards.
Cash needed	Plan for the down payment, closing costs, and any required reserves—funds retained after closing.

Documents your lender may request

Passport and applicable visa or residency documents
Bank statements showing balances and the source of funds
Income records, rental information, or asset statements
International credit documentation or bank references
English translations when required

Plan overseas fund transfers early.Confirm account, currency conversion, and fund-history requirements with your broker before moving money for closing.

Property location and applicable ownership restrictions can also affect a purchase. Review your situation with your broker and qualified title or legal professionals early.

The broker advantage

One point of contact.
Multiple lender possibilities.

Different lenders can view the same buyer differently. Future Home Loans helps compare available guidelines and explain the tradeoffs, so you understand the path you’re considering.

Tell us about your plans
Where you live, where you want to buy, and how you’ll use the property.
Review your available paths
We help compare qualification, cash requirements, terms, and documentation.
Coordinate the next steps
We help you prepare for the lender’s review and plan with your closing team.

Clear answers

Foreign national mortgage questions

Do I need to be a U.S. citizen?

No. Eligible non-U.S. citizens may have mortgage options. The appropriate program depends on your residency, property use, documentation, and the lender’s requirements.

What if I have no U.S. credit history?

Some programs can consider borrowers without a U.S. credit score. The lender still reviews creditworthiness and may require international credit records, bank references, or other documentation.

Is a foreign national loan the same as an ITIN loan?

No. ITIN describes a tax identification number. Foreign national programs generally serve buyers living abroad. Having an ITIN does not determine residency or automatically qualify you for either type of financing.

How much down payment will I need?

There is no single minimum across all programs. The lender, loan size, property, credit review, and qualification method affect the amount. Closing costs and required reserves are separate considerations.

Can I buy a second home or a primary residence?

Some foreign national programs allow second homes; many are investment-only. For a U.S. primary residence, your residency and eligibility for other mortgage programs need to be reviewed. Tell us your intended use before choosing a loan.

Can I complete closing while I’m abroad?

Some programs permit approved remote signing or other closing arrangements. Your lender and title or closing company must confirm the permitted method, identification, and documents. Arrange this early rather than assuming an entirely online closing.

Let’s map out your U.S. property options.

Start with your situation. We’ll help you understand the next step.