A guide to U.S. real estate lending for foreign nationals

Foreign national investors regularly tell us the same story: they have the capital, they have the property, and they cannot get a U.S. bank to even take their call. The traditional system is built on U.S. credit history and W-2 employment — neither of which a foreign national typically has.

Our underwriting is designed for this exact gap. We look at the equity in the property and the strength of the deal, not your country of origin or your U.S. credit file.

What you'll typically need:

- A valid government-issued ID (passport works) - Proof of funds — bank statements from anywhere in the world - A clear property summary and purchase contract - Source of funds documentation, where applicable

You do not need a U.S. Social Security Number. You do not need a U.S. credit score. You do not need to relocate to the United States.

We close foreign national loans in the same 3–5 day window as our domestic files. And we'll tell you on day one whether the deal works — no surprises at the closing table.