Foreign Nationals Mortgage Program

Foreign Nationals Mortgage Program: Buying in the U.S.

If you’re a foreign national looking to buy or refinance a home in the United States, you may be wondering how to qualify for a mortgage without U.S. credit or income documentation. The good news is that there’s a loan program designed specifically for international buyers that makes homeownership in the U.S. easier than ever.

What Makes This Mortgage Unique?

This specialized mortgage is a Debt Service Coverage Ratio (DSCR) loan, designed for foreign nationals who reside and work in their home country but want to invest in U.S. real estate. Here’s what makes this program stand out:

• No U.S. Credit Required – You don’t need a credit history in the U.S. to qualify.
• No Income Verification Needed – Traditional income documentation isn’t necessary.
• 1:1 DSCR Ratio – As long as the rental income covers the mortgage payment, you’re eligible.
• Easy & Streamlined Process – Without the need for extensive financial documentation, the application process is smooth and straightforward.

Why Choose a DSCR Loan?

A DSCR loan is one of the most investor-friendly mortgage options available. Since it focuses solely on the cash flow of the property, rather than personal income, it removes many of the typical hurdles foreign buyers face when trying to secure U.S. financing.

For example, if you’re purchasing a rental property, as long as the expected rental income covers the mortgage payment, you’re in great shape to qualify. This makes it an excellent choice for international investors or anyone looking to expand their real estate portfolio in the U.S.

Is This the Right Loan for You?

If you are:
✓ A foreign national who lives and works outside the U.S.
✓ Interested in purchasing or refinancing a U.S. property
✓ Looking for an easy, hassle-free mortgage process
✓ Wanting to qualify without income verification or U.S. credit

Then this mortgage program could be the perfect solution for you!

Take the Next Step

The U.S. real estate market presents incredible opportunities for foreign buyers, and this DSCR loan program simplifies the path to ownership. If you’re ready to invest in U.S. property, reach out today to learn how this financing option can work for you.