Foreign Nationals & ITIN Borrowers

These programs are a great option for non-U.S. citizens, ITIN holders, and foreign nationals who want to buy a home in the U.S. They’re designed for people who may not have U.S. credit but still need a loan that fits their situation.

How It Works

Foreign national loans are designed for individuals who are not U.S. citizens or permanent residents but wish to purchase property in the United States. These loans cater specifically to foreign nationals, allowing them to invest in U.S. real estate.

Key Features

Eligibility Requirements

• Must have a valid visa or passport.
• Cannot reside or work in the U.S.
• Proof of income from the home country or a foreign credit report may be required.
• Typically, a down payment of 25-40% is needed.
• Borrowers must have a valid ITIN, proof of income (such as tax returns or employment letters), and a qualifying down payment, typically 20 percent or more. Some lenders may request two years of filing history with the IRS using the ITIN.
• Foreign nationals requirements may include an international credit report or credit reference letters, proof of income or assets, and a passport or visa.

Benefits of Foreign National Loans

• No U.S. Credit Required: Borrowers can qualify based on foreign credit history or property cash flow.
• Flexible Documentation: Lenders may accept various forms of income verification.
• Investment Opportunities: Ideal for purchasing rental properties or vacation homes in the U.S.

We believe that the US real estate investment is the most stable investment in the long run. If you live and work outside of United States and believe the same or would like to have a property in US because of work or family – Its Possible. And the process is Easy. A mortgage loan to a non-resident person in the U.S.A. is called a Foreign National Mortgage loan. Fidelity Direct Mortgage, LLC (FDM) has access to a number of loans for foreign nationals looking to acquire a real estate in United States. The property can become a second or vacation home while staying in America. It could also be an investment property. FDM welcomes the opportunity to provide mortgage services to Foreign Nationals who want to purchase or refinance a home in the United States. Down payment requirements are usually higher for foreign national borrowers. The minimum down payment is usually 30% of the total purchase price of the property. This is also referred to as an 70% Loan to Value “LTV” loan.

Our Process is easy. Please reach out to one of our professionals to start the process to own real estate in US.