Home loans for non-U.S. citizens anywhere in the 50 United States

Income Verification

  • Self-Employed: Letter from CPA/Accountant or Auditor stating last 2 years’ and YTD Income.
  • Salaried: Letter from Employer stating current annual compensation.
  • Any Foreign Documents must be translated by a certified translation company or translator.
  • No Tax Returns or Audited Financials Required
  • The subject property does not need a positive cash flow
  • Up to 50% DTI

Asset Verification

  • 1 Month bank statement (covering at least 30 days)
  • All funds to close must be wired to a U.S. bank prior to closing. Seasoning of funds is not required.
  • 100% Gifts allowed for down payment closing costs, reserves¹
  • Cash-out proceeds may be used towards reserves

Other Program Highlights

  • True Foreign Nationals only. Borrower cannot live or work in the US
  • Borrowers must have valid passports and visas (if applicable). ITINs accepted.
  • U.S.-based Corporations and LLCs accepted.
  • Purchase & rate/term refinance up to 70% LTV
  • Cash-out refinance up to 60% LTV, unlimited cash-out funds
  • 1-4 Units, condos, PUDs
  • Loan amounts up to $3,000,000
  • No credit or reference letters are required
  • 5/6 ARM², 7/6 ARM², 15 or 30 year fixed
  • Interest-only option available on all loan terms except 15 years fixed