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No Social Security Number? No Green Card? No Problem! We help foreign nationals finance their dream property in the U.S.
In recent years, cash has dominated U.S. real estate purchases by foreign nationals. According to International Home Buying Activity, agents reported that 63 percent of their international transactions were conducted without financing.
Is that because foreign buyers prefer a cash purchase, or do they feel locked out of the U.S. mortgage market? If the latter, agents may be able to help more global buyers reach the closing table by identifying lenders ready and willing to meet their buyers' needs.
A lender will want solid documentation of income, assets, liabilities and past credit dealings, supplied by reliable sources. Without this, they may not be willing to roll the dice.
In the U.S., credit reporting is the cornerstone of mortgage risk assessment. Domestic borrowers must produce credit reports from the three big credit bureaus — Equifax, TransUnion and Experian. No other country, however, has three credit bureaus. Only a handful have one or two and most don't have any.
Lenders working with foreign nationals have to find alternative ways to assess risk. If an applicant meets the standards, the lender will require a substantial down payment. This is because the loan will most likely stay on the lender's books — domestic mortgages can be sold on the secondary market, but non-resident foreign national's mortgages don't conform to the same standards.
Plus secondary ID required for verification
May be required (varies by country)
Employment or business ownership documentation
For assets and liabilities verification
Alternative credit assessment methods
If you're a permanent resident alien, you're eligible to get a mortgage under the same terms as any U.S. citizen. You just need proof of residency status.
If you're a non-permanent resident alien, the required paperwork depends on the type of loan you're applying for. For conventional or VA loans, you must have a valid visa with work authorization.
There must be an expectation that you'll be able to continue working in the U.S. for at least the first three years of the loan. Required documentation includes:
⚠️ For Nonconforming Jumbo Loans: 5 years U.S. residency required, 30% down payment, H-1B or H-2B visas only.
Immigrants with valid visa status to live and work in the U.S., a history of U.S. employment, and a social security number face fewer borrowing difficulties. Often first-time home buyers looking for entry-level homes with low down payments.
Primary residence outside the U.S. Limited stay in the U.S. by visa type. Expect 30-50% down payment. Two years of mortgage, insurance, and tax payments may be required in U.S. accounts. Can borrow up to $5M+ with extensive documentation.
Ultra-high net worth individuals. Often pay cash, sometimes want mortgage to free up funds. Low loan-to-value ratio (40-50%). Large deposits in U.S. accounts required. May pledge other assets as collateral.
No U.S. Social Security Number? No Green Card? No problem! We specialize in foreign national mortgages and can help you secure financing for your American dream property.
Helping international investors achieve their American dream — one property at a time.
"As a foreign investor from Brazil, I was worried about the buying process. Miguel made everything simple. He handled all the paperwork, explained US real estate laws, and found me a great investment property."
"Miguel is the best real estate agent for foreign buyers in Miami. He understands the unique challenges we face — visas, international wire transfers, tax implications. He guided us through every step."
"We invested in Miami real estate from Europe. Miguel handled everything remotely — video tours, virtual meetings, electronic signatures. We closed without ever flying to Florida. Incredible service!"
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