Common challenges
Without US credit or an SSN, standard lenders say no. Specialty programs are built for this.
Programs that fit
Investment property
Foreign National Loans
A foreign national loan lets a non-US citizen who does not live in the US finance a US investment property or second home without a US credit history or Social Security number.
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Investment propertyDSCR Loans
A DSCR loan is an investment-property mortgage that qualifies you on the property’s rental income divided by its monthly payment (the debt service coverage ratio).
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Self-employedITIN Loans
An ITIN loan is a non-QM mortgage for borrowers who file US taxes with an Individual Taxpayer Identification Number instead of a Social Security number.
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Tips before you apply
- Move funds to a US account early.
- Translate foreign statements before submission.
FAQ
What is the best mortgage for international buyers?
It depends on your documentation and goal. The programs that most often fit are Foreign National Loans, DSCR Loans, ITIN Loans.