Foreign National Lending

Own a piece of America without living here. We specialize in financing for international buyers in Florida, Pennsylvania, and New Jersey.

The Real Problem

Most international buyers assume they must pay 100% cash because they have no US credit score or Social Security Number. This ties up millions in capital that could be used for other investments.

The Expert Advice

Foreign National loans are based on your international credit or asset verification. You don't need a US credit score. You just need a valid passport/visa and 25-30% down payment.

No US Credit

We use letters from your international bank or a simple international credit report to satisfy the credit requirement.

Flexible Assets

Funds for down payment and reserves can stay in your international account until shortly before closing.

Second Home/Rental

Whether you want a vacation condo in Sunny Isles or a rental property in Philly, we have the programs.

Foreign National Decision Framework

Option 1: Asset-Based Qualification
Best for buyers with significant liquidity. We verify you have the funds for the purchase and 12 months of reserves.
Option 2: DSCR (Cash Flow)
Best for investment properties. If the expected rent covers the mortgage, your personal income isn't even verified.