Foreign National Loans · 11 states

Mortgages for foreign nationals buying U.S. property.

Many foreign national programs do not require a U.S. credit score or a Social Security number. I help non-U.S. citizens finance a second home or investment property with programs built for them.

Second homes and investments

Passport-based documentation

Licensed in 11 states

Start Your Application Call Duane

The Basics

Financing built for buyers outside the U.S.

Foreign national loans are non-QM programs for buyers who live outside the United States or have no U.S. credit history. Lenders review your identity, assets and the property instead of a U.S. credit file.

Terms vary by lender, and down payments are typically larger than for U.S. borrowers. I compare options across many lenders so you can see what fits your plan.

Larger down payment

Plan on a bigger down payment than a typical U.S. loan. The exact amount depends on the lender, the property type and how you use the home.

No U.S. credit history needed

Many programs use international credit references, bank statements or other documents in place of a U.S. credit score.

Second homes and rentals

Programs often cover vacation homes, second homes and investment properties. Primary residence options are more limited.

Reserves and documentation

Expect to show funds for the down payment and cash reserves, plus a valid passport and your visa or entry documents.

How It Works

From first call to closing

Tell me your goals

We talk about the property, how you will use it and where your funds are held.

Compare lender programs

I check programs from many lenders for down payment, rate and required documents.

Gather your documents

You send ID, proof of funds and any credit references through a secure portal.

Appraisal and closing

The lender orders the appraisal and title work, and I keep you updated through closing.

Where I Lend

Foreign national loans in 11 states

I am licensed in VA, FL, TN, GA, NC, SC, MD, DC, WV, TX and KY. Here are three popular markets.

Florida

Vacation and second homes

Florida draws many international buyers. I review condo rules, insurance costs and program limits with you up front.

Texas

Investment and relocation

Texas offers a wide range of rental and second-home options. I confirm program availability for your property type.

Virginia

Work moves and rentals

Buyers relocating for work or building a rental portfolio can compare programs with local pricing in mind.

Common Questions

Foreign national loan FAQs

Can a non-U.S. citizen get a mortgage?

Yes. Foreign national programs exist for buyers who are not U.S. citizens or permanent residents. Requirements depend on the lender and the property.

Do I need a U.S. credit score?

Many foreign national programs do not require one. Lenders may ask for international credit references or bank statements instead.

How much down payment is typical?

It is usually higher than for U.S. borrowers. The amount depends on the lender, the property type and your profile, so I confirm it before you apply.

Explore More

Related loan options

DSCR Investor Loans Non-QM Loans ITIN Loans Bank Statement Loans

Next Step

See what you qualify for as a foreign buyer

Share your plans and I will compare foreign national programs across many lenders. No pressure and no obligation.

Start Your Application Call +1 (804) 212-8663

Duane Buziak, NMLS #1110647, Coast2Coast Mortgage, LLC, NMLS #376205. Licensed in VA, FL, TN, GA, NC, SC, MD, DC, WV, TX and KY. Equal Housing Lender. This information is educational and is not an indication of loan qualification, approval or a commitment to lend. Rates, programs and guidelines change and are subject to credit approval.