Financing/Foreign national
Foreign National
You can finance U.S. homes without a domestic credit file being the centerpiece—we work with international clients under visa and identification rules that still require an SSN or ITIN on file.
Program snapshot
Loan amount
Up to $50 million
LTV
60% LTV cap
Credit
U.S. credit history not required
ID
SSN or ITIN mandatory
Occupancy
Second home or investment
Program guidelines
Published product parameters for this program. Final terms depend on underwriting, collateral, and documentation.
Loan purpose
- Finance U.S. residential property for qualified foreign national borrowers
- Support second-home or investment property purchases in the U.S.
- Refinance eligible U.S. property with a documented global borrower profile
Loan term
- 5/6 SOFR ARM
- 7/6 SOFR ARM
- 10/6 SOFR ARM
Loan amount
- Up to $50 million
Loan to value (LTV)
- Maximum LTV: 60%
Minimum credit score
- U.S. credit not required (SSN or ITIN mandatory)
Property type
- Second homes
- Investment properties
Key features & detail
Cross-border eligibility hinges on visa status—here is the program rule in one line.
- NRA (Non-Resident Aliens) allowed with valid Visa
Need help choosing a program?
Share the property, timeline, and target proceeds—we will map the fit before you invest in a full file.
Illustrative only. Availability, pricing, and documentation depend on the property, the borrower, and credit approval. This page is not a commitment to lend.