Foreign National Loan
Foreign National Purchase
For buyers who live outside the United States and do not have U.S. credit or U.S. tax returns. Finance a Florida second home or investment property using documentation from where you live and work.
- ForNon-U.S. residents without U.S. credit
- PropertySecond home or investment
- Income and assetsDocumented from where you live, or the property's rent on many programs
- VestingYour name or, with some lenders, an entity
How It Works
Your documents, from where you live.
Foreign national programs are built for buyers whose credit, income and assets are outside the United States. Instead of a U.S. credit report and tax returns, lenders accept alternative documentation, such as international credit references, income verification and bank statements from the country where you live.
- 01
We confirm the program fits your status
Eligibility depends on your residency status and documentation, such as a valid passport and visa where required. We confirm which programs fit before you shop.
- 02
The lender reviews your documents
Expect international credit references, proof of income or a letter from your accountant, and bank statements showing funds for the down payment and reserves, often with translations.
- 03
We price it across our lenders
Foreign national guidelines differ by lender, including down payment, reserves and how funds are moved. We compare them and match you with the ones that fit.
Program Highlights
Why international buyers choose a foreign national loan.
- Designed for buyers without U.S. credit or income history
- Used for second homes and investment properties
- Financing without U.S. tax returns
- Income and assets documented from where you live, or the property's rent on many programs
- Some lenders allow closing in an entity
- A larger down payment and reserves are usually required
Common Questions
What international buyers ask.
Yes. Foreign national programs finance second homes and investment properties without U.S. credit or U.S. tax returns. Expect a larger down payment than a domestic loan and documentation of income and assets from the country where you live.
A foreign national mortgage is a loan for buyers who live outside the United States and do not have U.S. credit or U.S. tax returns. It finances second homes and investment properties, using alternative documentation of credit, income and assets from where the buyer lives.
Guidelines vary by lender. Most require a valid passport, and a visa where applicable, documented assets, and either documented income or, on many programs, the property's rental income, international credit references or an alternative credit review, a larger down payment than a domestic loan and reserves held after closing. Funds for closing usually need to be in a U.S. account in advance.
No. Foreign national programs are designed for buyers without U.S. credit. Lenders use alternative credit, such as reference letters from banks where you live, or an international credit report when one is available.
Foreign national programs are for second homes and investment properties. If you live or plan to live in the U.S., other programs may fit, depending on your residency status and documentation. We review your situation and point you in the right direction.
Some lenders allow closing in an LLC or other entity, usually with a personal guarantee. Rules vary by lender, so we confirm vesting options before you write an offer.
General information only, not a commitment to lend. Loan programs, guidelines, interest rates and terms are subject to change without advance notice.
State law restricts some real estate purchases by buyers domiciled in certain countries. Eligibility is confirmed before closing.
Related Programs
Foreign National Refinance
Refinance U.S. property as a foreign national
DSCR (Investor Cash Flow)
Qualify on the property's rental income, not your personal income
Jumbo
Financing for high-value homes above conforming loan limits
Conventional Purchase
As little as 3% down for qualifying first-time or income-eligible buyers
Finance your Florida home across our lender network.
Tell us where you live, the property you have in mind and how you plan to use it. We will show you which lenders fit and what it takes to close.