Can I buy a home in the US without being a citizen?

Yes, foreign nationals can purchase property in the United States. Foreign national loan programs are specifically designed to help non-US citizens finance real estate purchases.

Do I need a Social Security number to get a mortgage?

No, foreign national loans do not require a Social Security number. You can qualify using your passport and other international documentation.

What down payment is required for foreign national loans?

Foreign national loans typically require a larger down payment, usually 25-30% of the purchase price, though this can vary based on the property type and loan program.

Can I use foreign income to qualify?

Yes, foreign income can be used to qualify. Lenders will typically require employment verification, foreign bank statements, and possibly international credit reports.

What types of properties can I finance?

Foreign national loans can be used to finance various property types including single-family homes, condos, townhomes, and multi-unit investment properties (typically up to 4 units).

Do I need to be in the US to close on the loan?

Requirements vary, but many foreign national loans can accommodate remote closings or allow you to designate a power of attorney for the closing process.

Foreign National Loans | Q Home Loans

What is Foreign National?

Foreign national loans open the door to US real estate ownership for non-US citizens. Whether you are an international investor seeking rental income, a business professional with US interests, or a family planning to relocate, these specialized loan programs provide a pathway to property ownership without requiring US credit history or a Social Security number. Q Home Loans works with lenders who understand the unique needs of international borrowers and can accommodate alternative documentation from your home country.

Why Choose Foreign National Loans?

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No US Credit Required

Qualify without an established US credit history. International credit reports may be accepted.

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No Social Security Number

Purchase property in the US without needing a Social Security number.

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Investment Properties

Finance vacation homes, rental properties, or investment real estate in the United States.

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Flexible Documentation

Alternative documentation options including foreign bank statements and employment verification.

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Multiple Property Types

Finance single-family homes, condos, townhomes, and multi-unit investment properties.

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Competitive Terms

Access competitive rates and terms designed specifically for international borrowers.

Foreign National Loans Requirements

Basic Qualifications

Valid passport from country of citizenship
US visa (if applicable) or proof of legal entry
Down payment of 25-30% typically required
Foreign bank statements or income documentation
Property must be in the United States
Cash reserves (typically 6-12 months)

Required Documents

Valid passport (unexpired)
US visa documentation (if applicable)
Foreign bank statements (3-6 months)
Employment verification letter
International credit report (if available)
Proof of funds for down payment and reserves

How It Works

Foreign national loans are designed specifically for non-US citizens who want to purchase property in the United States. The qualification process differs from traditional mortgages because it accommodates borrowers without US credit history or Social Security numbers. Instead, lenders evaluate your international financial profile, including foreign bank statements, employment verification from your home country, and international credit reports when available. The process typically involves providing your passport, visa documentation (if applicable), proof of funds for the down payment and reserves, and income verification from your employer or business. Because these loans carry additional risk for lenders, they typically require larger down payments (25-30%) and may have slightly higher interest rates than conventional loans.

Who Should Consider Foreign National Loans?

International Investors

Foreign nationals looking to invest in US real estate for rental income or appreciation.

Vacation Home Buyers

International buyers seeking a vacation property or second home in the United States.

Business Professionals

Foreign executives or business owners who work in the US or have US business interests.

Relocating Families

Families planning to relocate to the US who want to purchase property before establishing credit.

Frequently Asked Questions

Get answers to common questions about foreign national loans.