Foreign-national financing
For international buyers exploring U.S. property who are not U.S. citizens or permanent residents.
What it is
A set of programs for buyers without a traditional U.S. credit profile. Because requirements vary significantly, this pathway is about preparation and pathway discovery — understanding the components of a plan rather than assuming nationality alone determines an outcome.
What tends to matter
Down payment and reserves are often central, since a domestic credit history may be limited or absent. Property type and intended use, the way income and identity are documented, currency considerations, and whether the property is held personally or through an entity all shape the available options.
When it may fit
Foreign nationals and international investors buying a primary, second, or investment property in the U.S. who want to understand the preparation involved before engaging a lender.
Questions to ask a professional
- What down payment and reserve levels apply to my property type and location?
- Which documents establish income and identity without U.S. credit history?
- Are there advantages or requirements to holding the property through an entity?
What it does not mean
This overview does not establish eligibility. Citizenship, residency, source of funds, property type, and lender guidelines all affect what's possible, and requirements change.