Non-QM
Foreign national
Financing for non-U.S. citizens purchasing or refinancing U.S. residential property.
- No SSN in many executions
- Down payment and reserves matter
- Second home and investment common
Who it is for
Foreign nationals buying U.S. homes or rentals who cannot or should not use a standard U.S. credit file.
Foreign-national lending is a documentation and funds-seasoning exercise. We confirm visa/status category, how purchase funds enter the U.S., and whether DSCR or full-doc jumbo is the cleaner path for the occupancy you actually intend.
Questions
- Do I need U.S. credit?
- Not always. Many programs use international credit letters, reserves, and larger down payments instead.
Related programs
Ready to structure a file that can actually close?
Tell us the purpose, the property, and how you document income. We will place the request with a program that fits — this is not a loan approval.