In this article, I’ll discuss the Top Foreign National Mortgage Lenders in the US and help international buyers explore financing options for American real estate.
You’ll learn about top lenders, eligibility for foreign borrowers, loan amounts, down payment requirements, interest rates, documentation and property options. This guide will assist you in comparing mortgage providers and finding financing options that are suitable for your investment goals.
What Is a Foreign National Mortgage in the US?
A foreign national mortgage in the US is a home loan for non-US citizens who want to buy real estate in the United States. Such borrowers may live outside the United States, have no U.S. credit history or earn income overseas.
Lenders look at passports, income, assets and ability to put down a payment. Eligible properties include investment properties, vacation homes or other approved residential properties with certain lending requirements.
How to Choose the Best Foreign National Mortgage Lender
- Foreign National Program Availability: Verify that lenders have mortgage programs specifically for non-US citizens who qualify to buy property in the United States.
- Minimum Down Payment and Maximum Loan Amount: Examine minimum deposits and maximum loan limits to establish affordability prior to selecting your lender.
- Interest Rates, Fees, and Repayment Terms: Look closely at the interest rates, closing costs, lender fees, repayment schedules, and any prepayment penalties that might apply.
- Income, Asset and Credit Documentation – Review for approval of required income statement, bank statements, asset verification and alternate trade credit report.
- Eligible Property Types and State Restrictions: Prior to selecting a mortgage lender for financing, confirm eligible property types and state restrictions.
- Processing Times and Lender Support: Compare application timelines, quality of communication, underwriting support and customer support throughout the mortgage process.
Key Points & Top Foreign National Mortgage Lenders in the US
| Lender | Explanation |
|---|---|
| America Mortgages | Helps foreign nationals explore US property financing options tailored to international borrowers. |
| ACC Mortgage | Offers alternative mortgage solutions for borrowers who may not meet conventional lending requirements. |
| HSBC Bank USA | Provides international banking services and mortgage options for eligible clients purchasing US properties. |
| Axos Bank | Offers mortgage products with digital banking services for qualified domestic and international borrowers. |
| Angel Oak Mortgage Solutions | Specializes in non-qualified mortgages for borrowers with complex income or financial documentation. |
| Arc Home Loans | Provides residential mortgage solutions through lending programs designed for various borrower profiles. |
| AmWest Funding | Offers residential mortgage financing options for eligible borrowers seeking property purchases across America. |
| Foundation Mortgage Corporation | Provides mortgage lending solutions for borrowers with diverse financial backgrounds and property goals. |
| Quontic Bank | Offers innovative mortgage products, including options for borrowers with nontraditional financial circumstances. |
| Luxury Mortgage Corp | Specializes in residential mortgage solutions for high-net-worth borrowers and complex financial situations. |
| Verus Mortgage Capital | Supports non-qualified mortgage lending through financing solutions for borrowers outside conventional underwriting guidelines. |
| Starr Mortgage Company | Provides mortgage services for eligible borrowers seeking financing for residential real estate purchases. |
| First American | Provides title insurance and real estate transaction services supporting secure US property purchases. |
| Enness Global | Specializes in international mortgage brokerage for high-net-worth clients purchasing property across global markets. |
14 Top Foreign National Mortgage Lenders in the US
1. America Mortgages
America Mortgages has mortgage programs for international buyers purchasing residential properties and investment properties throughout the United States. Depending on the program you pick, eligible borrowers can be foreign investors, non-US citizens residing overseas and expatriates
For foreign nationals purchasing a property, the options for residential purchases are from $150,000 to $5 million with maximum loan-to-value ratios of up to 75% which means a down payment could be as low as 25%. US credit history is not required, alternative documentation may be accepted.
If you are applying from outside the UK we may ask for: passport, income or rental-income evidence and asset statements. America Mortgages advertizes access to programs nationwide, in all 50 states, with certain program eligibility.
America Mortgages
| Feature | Explanation |
|---|---|
| Foreign National Specialization | Focuses on US mortgage financing for foreign nationals and American expatriates living abroad. |
| Multiple Loan Programs | Offers access to 150+ mortgage programs through direct lending and broker relationships. |
| Flexible Documentation | Many programs accept foreign credit and may not require US credit history or tax returns. |
| Nationwide Availability | Advertises mortgage financing across all 50 US states, subject to program eligibility. |
2. ACC Mortgage
ACC Mortgage has a Foreign National mortgage program and also offers alternative-documentation and investor lending products. The target audience for it is international borrowers who do not fit traditional mortgage underwriting guidelines. Individual eligibility is both program and property based.
The company advertizes a foreign national product, but the sources reviewed do not provide sufficient publicly verifiable information to establish a universal loan amount range or minimum down payment.
Ask about qualifying residential and investment properties, required passports or visas, proof of foreign income, bank statements, and acceptable credit references. State licensing information is published by ACC Mortgage, so be sure to check availability for the property location. Directly verify current terms before applying.
ACC Mortgage
| Feature | Explanation |
|---|---|
| Foreign National Program | Offers a dedicated foreign national lending program for eligible international property buyers. |
| Alternative Lending | Provides additional options such as bank statement, asset depletion, and investor loan programs. |
| Application Processing | Advertises same-day approvals and closing within 10 business days of appraisal order. |
| Licensing Restrictions | State licensing and product availability vary; verify eligibility for the property’s location. |
3. HSBC Bank USA
HSBC Bank USA offers mortgage options to qualified foreign nationals and international borrowers buying U.S. homes or investment properties. Applicants without an established credit history in the U.S. can qualify with acceptable international credit information and documentation.
In general, HSBC will ask for proof of identity, income and assets, but other eligibility criteria depend on the mortgage product and banking relationship you choose. Based on the information reviewed, it cannot be confirmed that there is a single foreign national loan range or down payment percentage for all applicants.
Buyers should inquire about minimum deposits, maximum financing, property types allowed and state availability. Underwriting can also involve documentation of visas or residency. Get a personalized quote and compare offers.
HSBC Bank USA
| Feature | Explanation |
|---|---|
| International Borrowers | Provides mortgage options for qualifying foreign nationals and newcomers purchasing US property. |
| No US Credit History | Qualifying international borrowers may apply without an established US credit history. |
| High-Value Financing | Advertises mortgage products up to $5 million, depending on product and eligibility. |
| International Documentation | May accept international asset records and assist with supporting documents in other languages. |
4. Axos Bank
Axos Bank offers mortgage financing for foreign nationals and nonresident borrowers with complex financial profiles and customized solutions. Eligible applicants can purchase second homes or other qualifying properties subject to product rules. Second home financing with up to 65% loan-to-value on loans up to $3 million, or 50% financing on loans up to $5 million.
That’s down payments of about 35% and 50%. The bank also offers super-jumbo mortgages up to $25 million, with bigger amounts on a case-by-case basis. While a US FICO score is not always mandatory, you may need a valid visa, passport, proof of income, verifiable assets, and alternative credit references. Verify property occupancy rules and eligible states directly.
Axos Bank
| Feature | Explanation |
|---|---|
| Customized Mortgages | Offers portfolio mortgage options tailored to qualifying foreign national borrowers. |
| High Loan Limits | Advertises super-jumbo mortgages up to $25 million, with larger amounts considered individually. |
| Alternative Credit | Does not require a FICO score for its stated foreign national program; alternative credit evidence may be accepted. |
| Flexible Payment Structures | Offers interest-only options and financing structures for eligible second-home purchases. |
5. Oak Mortgage Solutions
Angel Oak Mortgage Solutions has a Foreign National loan program available for approved non-U.S. residents buying or refinancing U.S. investment properties. The published program is for rental property cash flow, not the traditional US employment income.
The loan amounts range from $100,000 to $1.5 million. You can borrow up to 70% of the property value, so a maximum leverage purchase will require a down payment of about 30%. Financial assets and reserves must meet underwriting requirements.
Advertized program structure does not require US credit and personal income documentation. Borrowers are generally unable to live in the United States. Other restrictions and eligible visa categories apply. Apply only where state and county restrictions do not apply.
Angel Oak Mortgage Solutions
| Feature | Explanation |
|---|---|
| Dedicated Foreign National Loan | Offers a mortgage program for eligible non-US residents investing in American real estate. |
| Rental Income Qualification | Uses a debt-service coverage ratio approach with a published 1:1 cash-flow requirement. |
| Investment Property Financing | Supports eligible investment properties rather than owner-occupied homes under this program. |
| Flexible Credit Requirements | Advertises no minimum FICO requirement, loans from $100,000 to $1.5 million, and maximum 70% LTV. |
6. Arc Home Loans
Arc Home Loans offers residential mortgage products including non-agency lending solutions for specific borrower profiles. However, publicly verified information reviewed here does not establish a current, publicly available foreign national mortgage program with established loan limits, down payment percentages, visa categories or state coverage.
International Buyers: First, check to see if Arc Home Loans currently lends to non-US residents living and earning overseas. If such a program exists, find out if it is for primary residences, second homes or rental investments.
They may require passports, records of income and assets, property appraisals and overseas credit references. Just don’t presume that standard non-QM products automatically accept foreign nationals. Obtain written information on eligibility and pricing before adding Arc as a confirmed option.
Arc Home Loans
| Feature | Explanation |
|---|---|
| Residential Lending | Offers residential mortgage products for eligible borrowers through its lending channels. |
| Non-QM Possibilities | Its broader non-agency lending focus may be relevant to borrowers with nontraditional financial profiles. |
| Program Verification | A current dedicated foreign national program and its specific terms require direct confirmation. |
| State Eligibility | Confirm licensing, property eligibility, down payment, and documentation requirements before applying. |
7. AmWest Funding
AmWest Funding is a mortgage lender and makes available information on the states in which it is licensed. However, the information reviewed does not include current terms for a specific foreign national mortgage program, such as the minimum loan size, maximum loan amount, or required down payment.
Buyers outside the U.S. should check with the company to verify that it accepts nonresident applicants and if it offers financing on second homes or investment properties. Ask about visa requirements, documentation of foreign income, acceptable credit records and minimum cash reserves. The licensing information for AmWest lists a number of states .
However , licensing alone does not mean that a particular foreign national product is available in those states . Before proceeding, verify property-state eligibility and receive a written loan estimate.
AmWest Funding
| Feature | Explanation |
|---|---|
| Residential Mortgage Services | Provides mortgage lending services for qualifying residential property transactions. |
| Borrower Eligibility | Foreign national acceptance must be confirmed for the specific product being considered. |
| Documentation Review | Ask whether overseas income, international bank statements, and alternative credit references are accepted. |
| Geographic Restrictions | Check current state licensing and foreign national program availability before starting an application. |
8. Foundation Mortgage Corporation
Foundation Mortgage Corporation offers Foreign National Loans to non-US residents wishing to invest in American real estate. Its published program can be used with rental properties and perhaps second homes or vacation properties depending on the borrower’s profile.
Maximum loan-to-value advertized at 75%. That means a down payment of about 25% at maximum financing. Actual requirements may be higher. The company says a US credit score, reference letters and primary housing history are not necessarily required.
International bank statements and documentation of assets may be used to support applications. Ownership through an eligible US LLC or corporation may be allowed without a visa under certain conditions. Check loan amount limits, property eligibility and state availability now
Foundation Mortgage Corporation
| Feature | Explanation |
|---|---|
| Foreign National Loans | Offers financing for non-US residents purchasing US investment properties, second homes, or rental properties. |
| No US Credit Score | Its published program does not require a US credit score or traditional reference letters. |
| Flexible Qualification | Supports debt-service coverage ratio and full-documentation qualification options. |
| Corporate Ownership | Eligible properties may be held through qualifying US LLCs or corporations; maximum advertised LTV is 75%. |
9. Quontic Bank
Quontic Bank has a dedicated Foreign National mortgage product designed for non-US citizens who live and work outside the United States and want to purchase US real estate. Its program may use rental income via debt-service coverage ratio calculations or acceptable income documentation from the borrower’s home country.
The bank says qualifying programs can require as little as 20% down, but the down payment will depend on the product and property. Program rules permit acceptance of US-based LLCs and corporations, and traditional US credit or reference letters may not be required.
Available in published wholesale terms with loans up to $2 million. Some states excluded. Please confirm the applicable retail program, loan amount range, visa documentation and state restriction.
Quontic Bank Feature
| Feature | Explanation |
|---|---|
| Foreign National Investment Loans | Provides mortgage financing for non-US citizens who live and work outside the United States. |
| Rental Income Assessment | Allows eligible investors to qualify using the property’s rental income through DSCR underwriting. |
| Business Ownership Options | Accepts eligible US-based corporations and LLCs under its foreign national program. |
| Flexible Documentation | Advertises no reference letters and down payments as low as 20% for qualifying programs. |
10. Luxury Mortgage Corp
Luxury Mortgage Corp offers a Foreign National mortgage program designed for international borrowers financing US investment properties. Applicants may qualify using liquid assets or the property’s expected rental income rather than conventional US employment documentation. Published loan amounts reach $2 million, and the program does not require a US credit history or foreign credit verification.
However, the lender lists a minimum credit score of 680, a valid visa, and a defined length of stay as program requirements. Available structures include adjustable-rate mortgages and fixed-rate options, subject to eligibility.
The precise minimum down payment and state coverage should be confirmed with the lender. Buyers should also verify permitted property types, reserves, and any LLC ownership restrictions.
Luxury Mortgage Corp
| Feature | Explanation |
|---|---|
| Foreign National Financing | Advertises a dedicated mortgage program for eligible international property investors. |
| Asset-Based Qualification | May consider liquid assets or rental income instead of relying exclusively on US employment income. |
| Alternative Credit Approach | Its published program does not require a US credit history or foreign credit verification. |
| High-Value Properties | Advertises foreign national loan amounts up to $2 million, subject to its underwriting rules. |
11. Verus Mortgage Capital
Verus Mortgage Capital offers a Foreign Nationals loan program for the purchase or refinance of eligible US investment properties. Its published program contains qualification based on either liquid assets or estimated rental income, including debt-service coverage ratios.
Loans are available from $150,000 up to $2 million, with loan to value ratios up to 75%. This may require a minimum of 25% down payment on purchases at maximum leverage. Applicable guidelines may also provide for cash-out refinancing and interest-only options.
Visa requirements, credit documentation, minimum reserves and permitted property types differ according to the chosen program. Verus also offers financing programs through lending partners, so borrowers should check to see which originating lender services their state and if the product is currently available.
Verus Mortgage Capital
| Feature | Explanation |
|---|---|
| Foreign National Program | Offers a published program for eligible foreign nationals buying or refinancing US investment properties. |
| Rental Income Options | Supports rental-income-based qualification through debt-service coverage ratio underwriting. |
| Flexible Financing | Published program terms include loans from $150,000 to $2 million and up to 75% LTV. |
| Investment Loan Structures | Certain eligible loans may offer cash-out refinancing or interest-only payment options. |
12. Starr Mortgage Company
Starr Mortgage Company offers Foreign National mortgage programs for international buyers looking to finance US property. According to its published information borrowers may be eligible without a Social Security number, green card, visa or US FICO score, depending on the loan arrangement applicable.
The company advertizes loan amounts up to $10 million and says New York, New Jersey and Florida are markets for its foreign national program. The actual lender is a third-party provider, so the minimum down payment, eligible property types, and documentation requirements will vary.
Applicants must have passport identification, proof of assets and any required income documentation. Apply now and verify eligibility for current program terms, licensing and property state.
Starr Mortgage Company
| Feature | Explanation |
|---|---|
| Foreign National Financing | Advertises mortgage solutions for international borrowers purchasing US property. |
| Alternative Identification | Its advertised program may accommodate eligible borrowers without a Social Security number or US FICO score. |
| Large Loan Potential | Advertises loan amounts up to $10 million, depending on the funding lender and borrower profile. |
| Regional Availability | Identifies New York, New Jersey, and Florida as foreign national markets; confirm current coverage. |
13. First American
The name First American can refer to a few businesses so it is important to know which company to describe mortgage products. First American Financial Corporation is a title insurance and real estate transaction services company, not a mortgage lender.
business, 1st American Mortgage Lenders Inc., advertizes foreign national financing for non-U.S. citizens, including employed and self-employed applicants. Its published program enables financing up to 75% of property value, i.e. a down payment of at least 25% at maximum leverage.
Eligible properties include single-family homes, condos and townhomes. Loan terms include fixed and adjustable rate options. Its stated licensing includes California and Colorado Confirm current eligibility and if this is the intended company
First American
| Feature | Explanation |
|---|---|
| Company Identification | Confirm which First American business is intended before describing mortgage lending features. |
| Title Insurance | First American Financial Corporation is known for title insurance and real estate transaction services. |
| Property Title Support | Title services can help identify ownership issues and support the property closing process. |
| Mortgage Program Verification | Do not attribute foreign national mortgage products to First American Financial Corporation without evidence of a specific lending program. |
14. Enness Global Ltd.
Enness Global is an international mortgage brokerage assisting clients to explore finance for complex cross-border property transactions. The public information reviewed does not specify a standard U.S. loan program with fixed loan amounts, minimum down payments, visa categories or state coverage, so its suitability for U.S. foreign national mortgages should be verified directly.
Our customers may be international investors and high net worth borrowers with income, assets or residency in more than one country. Ask Enness if they can finance US residential homes, second homes, or rental investment properties through their lending partners.
Gather passport information, proof of income and assets, and property details. Make sure you have it in writing that you have verified the funding lender, loan currency, deposit requirement, fees, eligibility rules, and US state availability.
Enness Global
| Feature | Explanation |
|---|---|
| International Brokerage | Specializes in arranging mortgage finance for international and high-net-worth clients. |
| Cross-Border Expertise | Can help eligible clients explore financing options involving international income and assets. |
| Bespoke Financing | Brokerage services may help match complex borrower profiles with suitable lending partners. |
| US Program Confirmation | Confirm US property coverage, loan amounts, down payments, and lender availability directly before listing specific mortgage terms. |
Conclusion
To wrap up The top US foreign national mortgage lenders for you will come down to your financial situation, your real estate goals and whether you qualify. Before you apply, compare loan amounts, down payments, interest rates, documentation requirements and state availability.
Some lenders offer special programs for international borrowers, while others require additional verification. Always check the current lending terms directly to find the financing that is suitable for your American real estate investment.
FAQ
What down payment do foreign nationals need for US mortgages?
Foreign buyers typically need 20%–40% down, depending on lender, property, and borrower eligibility.
Which properties can foreign nationals finance in America?
Eligible properties may include investment homes, rental properties, condominiums, and qualifying vacation homes.
What documents are required for foreign national mortgage applications?
Lenders commonly request passports, bank statements, income evidence, asset records, and property purchase details.
Are foreign national mortgage interest rates higher in the US?
Rates may be higher than conventional mortgages because lenders assess additional international borrower and documentation risks.
Can non-US residents buy American property through an LLC?
Yes, some lenders permit eligible foreign nationals to purchase investment properties through qualifying US limited liability companies.
