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Foreign National Mortgage Loan
Foreigners who live outside the United States are eligible for a mortgage loan to purchase or refinance an investment property within the United States.
Quick Facts
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25% minimum down payment
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No credit score required
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No income or employment verification
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Qualify based on the market rental value of the property
Home Financing for Foreigners not living in the United States
Foreigners living abroad are eligible for financing an investment property in the United States. With our flexible Foreign National loan program, you do not need to provide proof of income nor have a US credit score to qualify! Our flexible qualifications mean that you can start investing in American real estate without the hassle of the traditional loan screening process!
Based in Dallas, we finance foreign investors for 36 states including Florida and Texas. AsertaLoans provides first-time investors and foreign nationals with the opportunity to easily secure their dream homes in the United States.
What are Foreign National Loans?
Foreign National loans are a type of mortgage designed for non-US citizens who do not live in the U.S., enabling them to purchase investment property in the U.S. These loans are particularly beneficial for foreigners seeking to preserve capital with low down payment requirements.
Lenders offering Foreign National loans consider financial assets and rental income to determine eligibility, allowing borrowers to qualify without having to prove income or credit history from their home country.
Where Are Foreign National Loans Available?
AsertaLoans offers Foreign National Loans in the following states:
Alabama
Arkansas
Colorado
Connecticut
Delaware
Florida
Georgia
Iowa
Illinois
Indiana
Kansas
Kentucky
Louisiana
Massachusetts
Maryland
Maine
Michigan
Missouri
Mississippi
Montana
North Carolina
Nebraska
New Hampshire
New Jersey
New Mexico
New York
Ohio
Oklahoma
Pennsylvania
Rhode Island
South Carolina
Tennessee
Texas
Washington
Wisconsin
West Virginia
Wyoming
Advantages of Foreign National Loans
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Easier access to investing in the booming American real estate.
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No US credit history nor proof of income required.
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Generate monthly cash flow with lower monthly mortgage payments.
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Establish a credit history in the United States, providing access to better loan terms in the future.
Who Qualifies For Foreign Loans?
Any non-US citizen that does not currently reside in the U.S. To qualify for a Foreign National loan, you'll need:
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US Visa: To be able to visit the property in the US. Exceptions for citizens of countries that are part of the Visa Waiver Program (VWP).
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Bank Statements: Two months of bank statements are required.
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Passport: Passport from your home country.
How to Apply for a Foreign National Loan?
Applying for a Foreign National loan with AsertaLoans is straightforward:
Gather Documents
Ensure you have all the necessary documents: Two months of bank statements, US visa, passport.
Complete Application
Complete our online application, which includes the application fee and the necessary application requirements.
Submit Documentation
Upload all required documents, such as two months of bank statements.
Review and Approval
Our team will review your application and provide a pre-approval within minutes.
Finalize
Upon approval, finalize the loan terms and prepare for your home purchase.
AsertaLoans Loan Process
Our loan process is designed with flexibility and ease in mind. Unlike banks, we are not bound to one underwriting standard. We search over 20 of our wholesale lenders to find the one with the best loan terms. This approach allows us to offer competitive rates and tailored financing solutions for your unique situation.
Why Choose AsertaLoans for Foreign National Loans?
AsertaLoans leads the industry in Foreign National loans by offering unmatched flexibility and personalized service. As a mortgage broker, we have the unique ability to switch lenders mid-process, ensuring you secure the best available rate when purchasing your home. Our expertise in managing complex cases allows us to provide customized payment options that suit your financial needs.
With our dedicated team by your side, you can trust AsertaLoans to make your home-buying journey smooth, transparent, and successful.