Live abroad? You can still own property in the U.S.
Foreign national loan programs let buyers who live outside the United States purchase a vacation home or investment property here — without a Social Security number or a U.S. credit report. We walk families through it in English or Spanish, from the first call to the keys.
Who this is for
- Buyers who live in Mexico, Latin America, or anywhere abroad and want a home or rental in the U.S.
- Families abroad who want a place near relatives living in California
- Investors who want U.S. rental property without building U.S. credit first
- Buyers who were told a Social Security number was required — it isn't for these programs
How it works
Talk through your plans — from anywhere
A call or video chat, in English or Spanish, wherever you live. We map out what you want to buy, how you'll use it, and what the numbers look like.
Gather documents from your home country
These programs accept a valid passport, proof of income or assets from your country, and bank statements — no U.S. tax returns or credit report needed. We'll give you the exact list.
Match you to a foreign national program
We compare lenders that specialize in these loans. For rentals, some programs qualify the property on its own rental income (DSCR), which keeps your paperwork simpler.
Close — even from abroad
Many closings can be signed at a U.S. consulate or with a power of attorney, so you don't always have to fly in. We coordinate the details with escrow.
No U.S. credit needed
These programs are built for buyers without a U.S. credit file — your financial history from home does the talking.
Rental income can carry the loan
DSCR-style options qualify the property on the rent it can earn, not your personal pay stubs.
Bilingual, cross-border service
Every call, document, and explanation available in Spanish or English — with someone used to working across time zones.
Documents from your country work
Passports, foreign bank statements, and income letters from your home country are what these lenders expect to see.
Today’s sample rates
Common questions
Can I buy U.S. property without a Social Security number or U.S. credit?
Yes. Foreign national loan programs are designed exactly for this — they accept a valid passport and financial documents from your home country instead of a U.S. credit report. Down payments are typically larger than standard loans, often 25–30%.
What kinds of property can I buy?
Most programs cover second/vacation homes and investment properties — single-family homes, condos, townhomes, and small rental buildings. A primary residence usually isn't eligible under these programs, since they assume you live abroad.
How is my income verified if I work outside the U.S.?
Lenders accept documents from your country — an employment or accountant's letter, bank statements, or proof of assets. For rental purchases, DSCR options can qualify the property on its expected rent instead of your personal income.
Do I have to travel to the U.S. to close?
Not always. Many lenders allow signing at a U.S. consulate or through a power of attorney. We coordinate with the escrow company so the closing works from wherever you are.
What down payment should I expect?
Plan on roughly 25–30% down for most foreign national programs, sometimes more depending on the property and loan size. Exact figures depend on the lender and full underwriting — we'll show you real numbers before you commit to anything.
Can you also help me buy a home outside the U.S. — in Mexico or Latin America?
U.S. mortgages only cover U.S. property, so that's a different kind of financing — but we can absolutely help you understand your options and point you in the right direction. Start with our guide on financing a home outside the U.S., then give us a call.