Want to buy a home in the United States, but you're not a US Citizen?

No problem, Our Foreign National Loan Program makes buying a home in the US easier for non-US citizens. While the guidelines on these loans are different than conventional, conforming or other federally insured loan programs, we are confident that our loan program can meet your needs.

Here are some of the key details:

  • Our Foreign National Loan program offers competitive interest rates.

  • You can borrow up to $750,000 per property (minimum amount borrowed is $100,000).

  • Multiple Fixed rate terms to choose from (10, 15, 20, 25 & 30).

  • Multiple Adjustable rate terms available as well (5/1, 7/1, 10/1).

  • You can use our Foreign National Loan Program to Purchase a New home or refinance your current home.

  • Debt-to-income ratios are 50% ("Assets for income" option).

  • No pre-payment penalties.

  • We can finance up to 75% loan-to-value (if the home is worth $500,000 then we can lend up to $375,000).

  • This program is eligible for multiple property types including: single-family homes, condos and townhouses.

  • All Loans are manually underwritten.

  • The Foreign National Loan Program is available to Self-employed foreign national borrowers as well.

  • Some seller concessions are allowed (Max 6% up to 65% LTV)

  • Escrows: Taxes and insurance escrows are required

Our Process

home financing easier
than ever

home financing easier than ever

Apply Online in

Minutes

Apply Online in Minutes

Complete your secure online application quickly and easily with no paperwork, no pressure.

Get Pre-Approved with Confidence

We will review your information, match you with the best loan options, and give you a clear idea.

Close Smoothly with Our Support

From approval to closing, our team is with you in every step ensuring a stress-free experience.

Get Pre-approved for a Construction Mortgage Loan Today!

FAQs

What is the difference between pre-approval and pre-qualification?

The pre-approval process is much more complete than pre-qualification. For pre-qualification, the loan officer asks you a few questions and provides you with a pre-qual letter. Pre-approval includes all the steps of a full approval, except for the appraisal and title search. Pre-approval can put you in a better negotiating position, much like a cash buyer.

When does it make sense to refinance?

Usually, people refinance to save money either by obtaining a lower interest rate or by reducing the term of the loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts. The decision to refinance can be difficult, since there are several reasons to refinance. However, if you are looking to save money, try this calculation: Calculate the total cost of the refinance Calculate the monthly savingsDivide the total cost of the refinance (#1) by the monthly savings (#2). This is the "break even" time. If you own the house longer than this, you will save money by refinancing. Since refinancing is a complex topic, consult a mortgage professional.

What is a rate lock?

A rate lock is a contractual agreement between the lender and buyer. There are four components to a rate lock: loan program, interest rate, points, and the length of the lock.

What is the difference between a mortgage broker and a lender?

A mortgage broker counsels you on the loans available from different wholesalers, takes your application, and usually processes the loan which involves putting together the complete file of information about your transaction including the credit report, appraisal, verification of your employment and assets, and so on. When the file is complete, but sometimes sooner, the lender "underwrites" the loan, which means deciding whether or not you are an acceptable risk.

Let’s Turn Your Homeownership
Dream Into Reality

Start your journey today by getting a free quote, It's fast, simple, and
connects you with a dedicated loan expert ready to guide you every
step of the way.

Let’s Turn Your Homeownership
Dream Into Reality

Start your journey today by getting a free quote, It's fast, simple, and connects you with a dedicated loan expert ready to guide you every step of the way.

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