Foreign National Mortgage – 25% Down Payment

We specialize in helping non-U.S. citizens invest in real estate with our flexible Foreign National Mortgage Program. Whether you’re buying a vacation home, rental property, or investment asset in the U.S., you can qualify with as little as 25% down—no U.S. credit required.

Program Highlights

✅ 25% Minimum Down Payment

✅ No U.S. Credit Score Required

✅ No Green Card or U.S. Residency Needed

 

✅ Available for Residential Investment Properties

✅ Close in Personal Name or Foreign-Owned LLC

✅ Simplified Documentation Requirements

Property Types Allowed

• Single-family homes
• 2–4 unit properties
• Short-term rental (Airbnb/VRBO) properties
• Condos
• New construction or resale

Required Documentation

• Valid foreign passport

• Visa or entry documentation

• Credit reference letters from foreign banks or institutions

• Proof of foreign income or employment

• 2–3 months of bank statements

• Down payment sourced from a verifiable foreign bank account

Who Qualifies as a Foreign National?

A foreign national is typically defined as someone who:

     ✓ Is not a U.S. citizen

     ✓ Is not a permanent resident

     ✓ Lives and works outside the United States

     ✓ Holds a valid foreign passport

Required Documentation​

• Valid foreign passport

• Visa or entry documentation

• Credit reference letters from foreign banks or institutions

• Proof of foreign income or employment

• 2–3 months of bank statements

• Down payment sourced from a verifiable foreign bank account