Foreign National Loans
U.S. property financing for non-resident buyers
Financing for non-U.S. citizens purchasing or refinancing property in the United States, with no U.S. credit history required. Available through our wholesale lending network.
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What this program offers and who it tends to fit best.
01
Asset and reserve based
Strength of assets and reserves carries the qualification.
02
No U.S. credit required
A domestic credit history is not a prerequisite.
03
International documentation
Passport, visa, and foreign asset documentation build the file.
04
Second home and investment
Programs oriented to non-resident second homes and rentals.
01
Streamlined process
Documentation requirements built for international files.
02
Invest from abroad
Acquire U.S. property without relocating your finances first.
03
Entity vesting options
Structures available where permitted for ownership planning.
04
Refinance available
Restructure or pull equity from U.S. property you already hold.
frequently asked questions
Common questions about this loan program.
A foreign national loan finances United States property for buyers who are not U.S. citizens or residents. Because these borrowers usually have no domestic credit file, underwriting relies on assets, reserves, the property, and international documentation instead.
Yes. Foreign national programs are built for buyers without a U.S. credit history. Some lenders request an international credit reference or letters from foreign banking institutions in place of a domestic report.
Typically a valid passport, visa documentation where applicable, proof of assets and reserves held domestically or abroad, and verification of income from your home country. Documents in another language generally require certified translation.
Yes. Second homes and investment property are the most common uses, and rental income from the property can often support the file. Occupancy and property type affect the terms available.
Many foreign national programs allow closing in a U.S. entity such as an LLC, which some international buyers prefer for ownership and estate planning reasons. Availability varies by lender and state, and you should confirm the structure with your own tax and legal advisors.
Talk with a licensed City First Mortgage loan officer about your goals, your timeline, and which program fits. No cost, no obligation, and no credit pull to start the conversation.
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