Foreign-National Programs
Investment property financing structured for borrowers who live outside the United States.
Program parameters are confirmed for your scenario. Nothing here is an approval or commitment to lend.
Foreign-national programs serve investors who reside abroad and are purchasing US investment property. Documentation tends to focus on identity, international credit or reference information, assets, and the property itself.
These are distinct from ITIN programs, which generally serve borrowers filing US taxes with an ITIN. The two are sometimes confused; getting the category right at the start saves time.
Because the borrower is outside the country, timing, currency, and document translation all matter. We will map out what the file looks like before you commit to a transaction.
Who may find it useful
- International investors purchasing US rental property
- Borrowers with no US credit history
- Investors diversifying into US real estate
- Families purchasing property in the United States
Typical financing goals
- Acquire US investment property from abroad
- Finance a purchase without a US credit file
- Refinance US property held by a non-resident
Key considerations
- Programs and property eligibility vary by state and property type
- Documentation may require translation and additional verification
- Larger down payments and reserve requirements are common
- Currency and cross-border transfer timing can affect closing
Information to gather
- Passport and identification documents
- Proof of address and international credit or reference information
- Asset and income documentation
- Property details and intended use
Frequently asked
More in Alternative Documentation
Thinking about foreign-national programs?
Share the property and your goal. We will confirm what may be available and what the file would need.
Illustrative tools and scenario review only. Not a rate quote, pre-approval, or commitment to lend.