Foreign national loans
Buy in America without an American paper trail.
US real estate for global buyers: no US credit file, income optional on DSCR structures, funds wired straight from your home bank, and leverage to 80% LTV.
Program snapshot
Foreign national at a glance
- US credit
- not required
- Income docs
- optional on DSCR
- Leverage
- up to 80% LTV
- Funds
- wired from abroad, no seasoning
- Title
- personal or US LLC
Program menus from specialty wholesale lenders. Terms vary by tier and program and change without notice. Not an offer or approval.
Your money is good here. Your paperwork can stay home.
We broker dozens of wholesale lenders, including the specialty shops built for buyers who live their financial lives outside the US.
0
US credit history needed
No SSN. No FICO. No problem.
No US Social Security Number, ITIN, or credit file required. Lenders verify you with an international credit report from your home country, a few reference letters from your banks or landlords, or waive credit entirely on DSCR structures.
- Home-country credit report accepted
- Or 1 to 3 bank and landlord reference letters
- Or no credit check at all on DSCR programs
no income
documentation on DSCR structures
The property does the qualifying
Foreign national DSCR works exactly like the domestic version: the property's rent against its payment. No translated tax returns, no income statements, no employment verification letters from abroad.
- Qualifies on market rent or the lease
- Nothing to translate or apostille for income
- Built for 1-4 unit investments
80%
max LTV, from 20% down
Real leverage for global buyers
Conventional lending barely acknowledges foreign buyers. Select specialty programs lend to 75 and 80% LTV on purchases, which changes what your capital can do in the US market.
- 1-4 unit investment properties
- Second homes included
- As little as 20% down at the top tier
Told no somewhere else?
From embassy row to fully remote, we finance the buyers banks turn away.
Diplomats and embassy officials
Standard foreign national programs forbid primary residences. Specialty diplomat programs don't: A-1, A-2, and G-series visa holders, embassy staff, and employees of international organizations like the UN, IMF, and World Bank can finance a primary home near their post. Lenders require a limited waiver of diplomatic immunity covering just the mortgage itself, and we walk you through exactly what that means.
Money moves straight from home
Down payment, closing costs, and reserves can wire directly from your home-country bank to the US closing agent. No 30-to-60-day seasoning in a US account first, foreign-currency statements accepted with standard translation and conversion, and on aggressive programs the 6 to 12 months of reserves can stay in your home bank entirely.
Buy without ever entering the country
The visa menu runs from visitor and investor visas through work and artist visas to the diplomatic series. And select programs need no visa at all: an unexpired passport is enough to buy US property fully remotely from abroad.
Close in a US LLC
Foreign buyers routinely take title through a US entity for privacy and liability protection, and to fit the cross-border structures their advisors design. The mortgage closes in the entity's name without drama.
From anywhere on earth to a US closing.
- 1
Send your scenario
The property, the price, your home country, and your visa status if you have one. From anywhere in the world.
- 2
We match the structure
Credit path, DSCR or full documentation, personal or LLC title, and the wire logistics, quoted across the specialty menu.
- 3
Quote in hand
Tier options laid side by side, fast.
The quick eligibility check.
- No SSN or ITIN needed
- Visitor, investor, work, and diplomatic visas
- No-visa remote options
- Funds wired straight from abroad
- Reserves can stay in your home bank
- Second homes and 1-4 unit investments
- Diplomat primary residences
Building a US rental portfolio? Our DSCR programs carry the same no-income logic for domestic investors, with tiers to 85% LTV.
Straight answers
Can I get a US mortgage with no US credit history?
Yes. That is the entire point of these programs. Lenders verify you three ways: an international credit report from your home country, one to three reference letters from your banks, utility companies, or landlords showing 12 to 24 months of clean payment history, or, on DSCR structures, no credit verification at all.
Do I have to translate my tax returns and pay stubs?
Not on the DSCR structure. The property qualifies on its own rental income against its payment, so your foreign income documents never enter the file. No translations, no apostilles, no employment letters.
Can my down payment come straight from my bank at home?
On leading programs, yes. Funds wire directly from your international account to the US closing agent at closing, with no requirement to season the money in a US bank for 30 to 60 days first. Foreign-currency statements are accepted with standard translation and exchange-rate conversion, and reserves can often remain in your home account.
I work at an embassy or international organization. Can I buy a home to live in?
Yes, on specialty diplomat programs. A-1, A-2, and G-series visa holders and staff of international organizations can finance a primary residence near their post, something standard foreign national programs flatly exclude. Lenders require a limited waiver of diplomatic immunity that applies only to enforcing the mortgage, and we will walk you through it before you sign anything.
What visa do I need?
The accepted list is long: visitor, investor, work, artist, athlete, and diplomatic visas all appear on program matrices. And select programs need no visa at all, qualifying international investors on an unexpired passport for fully remote purchases from abroad.
Can I buy through an LLC?
Yes, and many international buyers do. Title and the mortgage can close in a US entity's name for privacy and liability protection. Structure the entity with your own tax and legal advisors; we handle the financing side of whatever they design.
The US market is open. Let's get you in.
Two minutes to send your scenario, from any time zone. No cost, no obligation, and a quote from the whole specialty menu.
Guthix Lending • NMLS# 2672037 · Foreign national programs are alternative-documentation loans, generally limited to second homes and 1-4 unit investment properties; primary residences are available only on specialty diplomat programs, which require a limited waiver of diplomatic immunity as to the mortgage. Credit verification paths, eligible visa classifications, leverage, reserve requirements, and pricing vary by program and change without notice; 80% LTV reflects the most favorable available tiers. Foreign documents are subject to translation and currency conversion requirements. Nothing here is immigration, tax, or legal advice; consult your own advisors on visa status and entity structure. Not all borrowers will qualify. This is not a commitment to lend or an offer of specific terms.