Loan Program
Loans for Foreign Nationals
Foreign national programs let non-residents and visa holders finance property in the United States, using international income and assets instead of a U.S. credit history.
Key highlights
- No U.S. credit history required in most programs
- International income and bank statements accepted as documentation
- Available for second homes and investment properties
- Guidance in plain language, with a checklist tailored to your country
How lenders evaluate an international buyer
Instead of a U.S. credit score, lenders look at verifiable income abroad, seasoned reserves, and a larger down payment. The exact requirements vary by lender and by country of residence, which is why the first conversation is a document checklist, not a sales pitch.
Common uses
Vacation homes on the Florida coast, rental units in growth markets, and family properties for relatives studying or working in the U.S. Each of those scenarios prices differently, and we structure the loan around the actual plan for the property.
Frequently asked questions
Do I need a U.S. Social Security number?
Not for most foreign national programs. Passport, visa documentation where applicable, and proof of income and reserves are the core requirements.
How much down payment is typical?
Expect a larger down payment than a resident buyer would make. We give you the exact figure for your scenario before you make an offer.
Your Next Step
Your home is one conversation away.
Call, text, or send your details. Samia personally reviews every situation and guides you through each step of the process.
(561) 827-4700