Foreign National Loans

About Program

Foreign National loans are designed for non-U.S. citizens or residents who want to purchase or invest in U.S. real estate. These programs offer no U.S. credit or income history requirements, and instead rely on alternative documentation such as bank statements, foreign credit, or asset verification.

Key features

No U.S. credit score required
Up to 70%-75% financing available
Primary, second home, and investment properties allowed.
No U.S. income or tax returns required

10% minimum down
Max 80% LTV
Primary SFR only
700+ FICO
43% max DTI
No secondary financing or gift funds
One borrower must have permanent residency
Series 1: Bank Statement

Bank statements or asset verification accepted
Passport and visa (or TIN) required
Full or limited doc options available
Higher rates and reserves than conventional loans

Requiere to Disclose

Required to Underwrite

(in addition to above)

FAQ

How much down payment assistance can my clients receive?

With the DPA Program, your clients can access up to 50% of the required down payment on non-QM loans. This benefit allows you to structure deals with lower upfront costs, up to 20% lower monthly payments, and the ability for your clients to buy up to 25% more home without stretching their budget.

Which clients are eligible for the DPA Program?

The program is designed for borrowers with a minimum 700 FICO score, financing up to 80% LTV on primary residence single-family homes. You can submit either bank statement or full documentation loans, with a maximum 43% DTI, and it’s available nationwide, giving you broad flexibility to place loans.

How does the repayment work for my clients?

There’s no repayment required unless the property is sold or refinanced. With no lien and no secondary financing or gift funds needed, you can present a simple, competitive option that enhances your borrowers’ purchasing power and differentiates your offerings.