1 / 4: Mortgage Solutions for Foreign Nationals
Global clients. Local expertise.
Foreign National Mortgages
We help eligible international buyers invest, purchase and refinance U.S. real estate with flexible programs and an experienced team.
- No U.S. credit history may be required
- No SSN may be required
- Foreign income and assets may be used
- Closing outside the U.S. may be possible
Your goals. Our expertise. No borders.
Investor financing
Built Around the Property.
DSCR
Qualification can be based primarily on eligible rental property cash flow rather than traditional personal income qualification.
Explore Investor LoansNo-Income / No-DocEligible programs may require less personal income documentation than traditional mortgages.Airbnb / Short-Term RentalFinancing options may be available for eligible short-term rental properties.LLC FinancingEligible investment properties may be financed or held through an LLC, depending on program requirements.Non-Warrantable CondoMortgage options may exist for projects that do not meet standard agency project requirements.Cash-Out RefinanceEligible investors may be able to access property equity through refinancing.
Mortgage Payment Calculator
Enter exact values to estimate the monthly payment.
This calculator is for informational and illustrative purposes only and does not constitute a loan approval, commitment to lend, or quote. Actual payments, rates, taxes, insurance, HOA fees and loan terms may vary.
How the Mortgage Process Works
Step 1: Initial Review
We learn your goals, property plans, budget and timeline. You don't need to know which program fits — we help figure that out.
COMMERCIAL FINANCING
Commercial Real Estate Financing
Financing solutions for investors and business owners purchasing, refinancing or accessing equity in eligible commercial real estate.
- Multifamily
- Warehouse / Industrial
- Retail
- Office
- Medical Office
- Mixed-Use
- Hotel
21+ YearsOnur Kasar’s Mortgage Industry Experience
2010Alon Finance Group Established
GlobalForeign National Expertise
PersonalizedService
Mortgage professionals
Meet Our Team
Yes. Foreign nationals can obtain mortgage financing for U.S. real estate through programs designed for borrowers who live outside the United States. U.S. income or U.S. credit history is not required in every program. Requirements vary by lender, property and transaction.
Yes. A Green Card is not required for Foreign National Mortgage programs. Depending on your immigration status and circumstances, other mortgage programs may also be available. Yes. Some Foreign National Mortgage programs allow borrowers to obtain financing without a U.S. Social Security Number. Requirements vary by lender. Yes. Some Foreign National Mortgage programs are available to borrowers who have no U.S. credit history or FICO score. The lender may evaluate other aspects of the borrower and transaction instead.
Yes. Some Foreign National full-documentation programs can use verifiable income earned outside the United States. For investment properties, a DSCR program may provide another option by qualifying primarily from the property's rental income instead of the borrower's personal income. Yes. Funds held in foreign bank accounts can often be used for the down payment, closing costs and reserves when they can be properly documented and transferred in accordance with lender and banking requirements.
There is no single down payment for every Foreign National Mortgage. The amount depends on the lender, loan amount, property type, how the property will be used and your overall situation. Some programs may start around 20% down, but we commonly see Foreign National purchases with about 25%–30% down. We compare the options for your specific purchase.
Yes. One of the main purposes of a DSCR mortgage is to qualify an investment property primarily from the property's rental performance rather than the borrower's personal employment income. Lenders may still review other borrower and asset requirements.
Yes. Many investment-property mortgage programs allow the property to be purchased and titled in an LLC. The lender will review the LLC structure, ownership and guarantor requirements. LLC eligibility varies by loan program.
In many Foreign National transactions, much or all of the mortgage process can be completed without the borrower traveling to the United States. The closing method must be coordinated in advance with the lender and title/closing company, and available options vary by transaction.
Timing depends on the program, property, appraisal and how quickly documents are provided. We review the expected timeline with you before application.