U.S. property financing for international borrowers
Qualified ITIN and foreign national borrowers may be able to purchase primary residences, second homes and investment properties in the United States. Eligible occupancy types and immigration or residency documentation depend on the selected program.
Some lender programs offer loan amounts from $150,000 to $2,000,000 and financing up to 75% of the property value or purchase price, which generally means a down payment of at least 25%. Higher down payments may be required based on the borrower, property, loan size and program.
Lenders may review passports or ITIN documentation, visas or residency status when applicable, credit references, bank statements, asset verification, reserves and the source of funds. Rates, costs, property eligibility and documentation requirements vary by lender.
What to know
Eligible ITIN and foreign national programs may finance qualifying primary residences, second homes and investment properties in the United States. Some programs offer loan amounts from $150,000 to $2,000,000 with loan-to-value ratios up to 75%, subject to borrower, property and lender requirements.
Start with a conversation
Tell me where the property is, how you plan to use it and what you want the loan to accomplish. I can help you understand which details lenders will review and compare available paths.
What are ITIN and foreign national loans?
ITIN and foreign national mortgage programs may allow eligible borrowers without a Social Security number or traditional U.S. credit profile to finance U.S. real estate. Documentation, residency status, credit references, assets, down payment and permitted occupancy vary by lender.