Non-US citizens and non-residents
Foreign national loans
Mortgage options for international buyers purchasing a second home or investment property.
What it usually takes
A valid passport (and visa if applicable), proof of income from your home country, international bank statements and reserves, a larger down payment, and sometimes a reference letter from your foreign bank.
Investment property
Many international buyers purchase rentals. Depending on the scenario, foreign national or DSCR programs, which review the property's rental income, may fit.
Before you apply
We help organize your scenario first — no credit check to start. Requirements vary by lender and program and are subject to underwriting review.
Eligibility, limits and terms depend on the program guidelines in effect when you apply and on your full application. This page is general information, not a loan offer.
See if I qualifyOther programs
Conventional loans
Flexible, widely used financing for primary homes, second homes and investment properties.
FHA loans
Lower down payments and flexible credit requirements — one of the most accessible paths to owning.
VA loans
$0 down and no monthly mortgage insurance for eligible veterans, service members and their families.