Interested in buying a home in the United States as a foreign national? Whether you’re looking to establish permanent residence, purchase a vacation home, or invest in U.S. real estate, there are specific loan programs designed to help you achieve your goals. These programs are available to non-residents and allow for the purchase of real estate without requiring citizenship or a social security number. In this article, we’ll explore Foreign National Loans and ITIN Loans, reviewing the requirements needed to qualify for a mortgage.
Home financing options for foreign nationals opens doors for individuals without U.S. citizenship or residency to access mortgage solutions tailored to their circumstances. Foreign National Loans and ITIN Loans are categorized as non-QM loans, which offer more flexibility than traditional “conventional” mortgages.
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What Are Foreign National Loans?
Foreign National Loans are designed for individuals who are seeking to purchase real estate in the United States but are non-citizens and do not have a social security number, a Green Card, or US credit history. While loan limits can vary, some lenders offer programs with financing up to $3 million. Down payment requirements for Foreign National Loans typically start at a minimum of 25%. When applying for this loan, you should expect to provide the following documents:
- Passport from country of origin
- Visa depending on your status
- Proof of residency in your home country, like a utility bill or a cell phone bill
- Proof of income and assets
- Eligible for DSCR option (no income required)
- Asset utilization permitted
- 6-12 months of cash reserves
- Proof of US bank account set up at least 10 days prior to closing
Primary residences, second homes, and investment properties are all eligible occupancy types for Foreign National Loans. These property types include single-family, multi-family, townhome, warrantable condo, non-warrantable condo, and condotel. Applying for a Foreign National Loan could help you get one step closer to achieving homeownership in the United States.
What Are ITIN Loans?
ITIN Loans are a type of foreign national loan for borrowers who are non-citizens but have an Individual Taxpayer Identification Number (ITIN). Down payment requirements for ITIN Loans typically start at a minimum of 20%. While you don’t need a social security number or Green Card, you should expect to provide the following:
- Individual Taxpayer Identification Number
- Proof of employment or self-employment
- Proof you file taxes in US using ITIN
- US credit report
- Proof of rent or mortgage payments for the last 6 months
- Gift funds allowed for down payment or closing costs
Primary residences, second homes, and investment properties are all eligible occupancy types for ITIN Loans. These property types include single-family, multi-family, townhome, and condo. If you are a foreign national with a taxpayer number and want to purchase a home in the United States, consider exploring an ITIN Loan to make your homeownership dreams a reality.
How Do I Get Started?
With specialized loan programs like Foreign National Loans and ITIN Loans, international buyers can access tailored mortgage solutions that meet their unique needs. Whether you’re looking to purchase a home for yourself or invest in real estate, these programs can provide the flexibility and support you need.
Ready to start on your path to home ownership? Speak with one of our qualified and experienced Mortgage Loan Originators today. We offer multilingual support and can guide you through the process, answer any questions you may have, and help you navigate the complexities of foreign national lending.
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Why Choose FBC Mortgage?
FBC Mortgage, LLC is a leader in helping home buyers with fast and simple loans. We’re dedicated to exceptional customer service and are always available when you need us most, even at night and on the weekend. We’ll help you navigate your new home purchase, and keep you updated along the way with weekly check ins, so you know you’re taken care of. That’s one of the many reasons why 95% of our clients would recommend us to their friends and family. It’s also why the nation’s top home builders and Realtors trust FBC to help their new home buyers.
Buying a home is one of the most important financial decisions you will make. Understanding mortgages and the home buying process can help make it less stressful, and so can partnering with a mortgage lender you can trust. At FBC Mortgage, LLC, we’re dedicated to helping home buyers finance their dream home.
All information presented is for educational purposes only and not intended as financial advice. FBC Mortgage, LLC is a national mortgage lender headquartered in Orlando, Florida. Specializing in residential mortgage lending, including purchase, refinance, construction, and renovation loans. See what our clients have to say. NMLS#152859 EHL ©2025.
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