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We Offer Residential Mortgage Loans for
Foreign Nationals

FOREIGN NATIONAL LOAN PRODUCT

A Foreign National Mortgage Loan allows foreign nationals and international borrowers to purchase, refinance or cash out on a second home or investment residential property in the United States. Nationwide Mortgage Direct offers flexible mortgage products and competitive terms and rates!

Program Guidelines:

  • Full income documentation or CPA letter or only market rent used to qualify!

  • Majority of countries are acceptable (except for certain countries case by case)

  • Loan amounts of up to $3 million (exceptions on higher loan amounts are done on a case by case basis)

  • FICO Score option available for better terms

  • First time investors allowed

  • Foreign nationals from Visa Waiver Program countries - No Visa required

Modern Neighborhood

LENDING PARAMETERS

LOAN AMOUNTS

$150,000 - $3 Million

LOAN TO VALUES

  • Up to 75% LTV - Purchase

  • Up to 70% LTV - Rate and Term Refi

  • Up to 65% LTV - Cash Out Refi

PROPERTY TYPES

SFR, Condos, Condotel, Multifamily up to

4 Units (Up to 8 Units Allowed Case by Case)

LOAN TERMS

 10, 15, 20, 30, and 40 Year Term Options Available. Fully Amortized or Interest Only 

INTEREST RATES

Low Fixed Rates or ARM's Available

CLOSING TIMELINE

20 to 30 Days

BORROWER QUALIFICATIONS

  • No U.S. income or U.S. credit required to qualify

  • No U.S. citizenship required

  • No green card required

  • Assets sourced and seasoned for 60 days. Must be in a U.S. FDIC insured bank or its equivalent/correspondent bank for a minimum of 30 days

  • 12 months reserves required, must be in a U.S. bank

  • Must have an eligible Visa: B-1, B-2, H-2, H-3, I, J-1, J-2, O-2, P1, P2

  • Active valid passport is required for all borrowers

  • Funds must be seasoned and sourced

  • CPA letter verifying year to date and last 2 years of employment and income with CPA’s license information and copy (all documentation must be translated by certified translator)

  • Title can be vested in LLC or Inc and/or Personal Guarantee

  • Gift funds are allowed (ask and verify with our loan experts), must be sourced

If you have any questions or would like to know more about the program guidelines for your specific scenario, feel free to contact our loan specialists today. 

Click HERE to apply for a Foreign National Loan Product

CONTACT US

(954) 908-7770

loans@nationwidelendingdirect.com

2131 Hollywood Blvd Suite 404, FL 33020

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Company NMLS: 1753314
www.nmlsconsumeraccess.org

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