Purchase loans
Foreign National
U.S. real-estate financing for qualifying non-U.S. citizens, using foreign income, foreign assets, and alternative credit documentation.
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Foreign National at a glance
Foreign income
Income earned abroad may qualify.
Foreign assets
Assets held outside the U.S. may be considered.
Alternative credit
Documentation considered where U.S. credit history is limited.
Investment financing
Available for qualifying investment properties.
What is Foreign National financing?
Foreign National financing exists because a standard U.S. mortgage assumes things many international buyers don’t have: a U.S. credit history, domestic income, and domestic assets.
These programs qualify international buyers using foreign income, foreign assets, and alternative credit documentation — opening U.S. real estate to buyers who wouldn’t fit traditional underwriting.
01
Borrower profile
02
Property
03
Documentation
04
Financing options
When Foreign National financing may make sense
For international buyers, the usual U.S. paperwork isn’t the only way.
01International buyers
Non-U.S. citizens purchasing U.S. real estate.
02No U.S. credit history
Borrowers who need alternative credit documentation.
03Foreign income & assets
Buyers whose finances live outside the U.S.
04Self-employed abroad
International business owners.
Example scenario
See how it could work
The borrower
An international buyer purchasing U.S. property.
The documents
Foreign income, foreign assets, alternative credit.
The review
Qualification using international documentation.
The result
U.S. financing for a non-U.S. borrower.
Illustrative example only. Actual financing structure, terms, eligibility, and availability vary.
A closer look
What documentation may differ
In place of a U.S. credit report, alternative credit references may document payment history. Income and asset documentation — earned and held abroad — is reviewed to establish the qualifying picture.
Reserves and housing history requirements may apply under the applicable program.
Frequently asked questions
Ready to explore your options?
Build your scenario and see whether Foreign National or another mortgage solution may be worth exploring.
Program recommendations are informational until reviewed by an appropriately licensed mortgage professional. All loans are subject to credit and property approval; terms, eligibility, and availability vary.