Foreign National Loans
Foreign National Loans: Buying US Property Without US Credit
No Social Security number, no domestic credit file, no problem. These programs verify who you are and what you own using documents from your home country.
A foreign national loan lets a buyer who is neither a US citizen nor a permanent resident finance property here. Agency guidelines assume a Social Security number and a domestic credit report, and when those do not exist the file simply cannot be scored, so these loans live outside agency rules on portfolio programs. Identity is established with a valid passport and, where applicable, a visa. Creditworthiness comes from international reference letters, home country bank statements, and verified assets rather than a FICO score. Income can be documented by an employer letter, foreign tax filings translated into English, or, for rental purchases, the property's own projected lease income. In exchange for that documentation flexibility, the lender protects itself through a larger down payment, verified reserves, and a full appraisal. Loans are available for second homes and investment property, and closing in a US entity is common.
Who it's for
- Non resident buyers purchasing a vacation or second home along the Delaware and Pennsylvania corridor
- Overseas investors adding US rental property to a portfolio held in an LLC
- Visa holders recently arrived for work who have not yet built a domestic credit file
- Buyers whose income and assets are held abroad and documented in another language and currency
- Families purchasing near a US university for a student in residence
Why choose this loan type
- No US credit score, Social Security number, or green card required to qualify
- Foreign currency income and offshore assets are accepted with translation and verification
- Entity vesting is standard, which keeps multi partner ownership clean
- Financing preserves capital rather than tying up the full purchase price in cash
Frequently asked
Do I need a Social Security number or a US credit history?+
No. Foreign national programs are built for borrowers who have neither. In place of a domestic credit report, lenders accept a reference letter package from banks or creditors in your home country, typically two to three letters showing accounts in good standing over the past couple of years.
How much do I need to put down?+
Expect a larger down payment than a domestic buyer, commonly in the 25% to 35% range depending on the property type and how income is documented. Reserves are also verified, often six to twelve months of payments held in an accessible account.
Can I buy through a company instead of in my own name?+
Yes, and many buyers do. Closing in a US LLC is routine on these programs and often simplifies ownership across multiple partners. We coordinate with your attorney so the entity documents are formed and translated before the file goes to underwriting.
Tell us where you're buying
Share the property type, the price range, and how your income and assets are held. We'll outline the exact document package needed for your country before you make an offer.
Related loan programs
- DSCR for a rental purchase
When the property is an investment, qualifying on its rent can be simpler than documenting foreign income.
- Jumbo pricing on higher balances
Above the conforming limit, expect jumbo style reserve and down payment requirements.
Contact
Talk to Our Team Directly
No call centers, no runaround. Reach out and get real answers on what you qualify for before you fall in love with a house.
Phone
302-600-3197Hours
Mon–Fri 9am–6pm · Sat by appointment
Serving
Delaware · Pennsylvania · Maryland · New Jersey