🌎 Invest Globally, Borrow Locally: Foreign National Loans Explained 💼

💰 No U.S. Credit? No Problem — How Foreign Investors Finance U.S. Real Estate 🏠

Think you need U.S. credit to invest in American real estate? Think again.

For international investors, U.S. real estate remains one of the most secure, profitable, and stable markets in the world. But what if you’re not a U.S. citizen or resident? That’s where foreign national loans come in. These specialized mortgage programs are designed to help non-resident investors purchase or refinance property in the United States — without traditional U.S. credit requirements.

🏦 What Is a Foreign National Loan?

A foreign national loan is a mortgage program for non-U.S. citizens or non-resident aliens who want to buy real estate in America. These loans exist because international investors often don’t have U.S. tax returns, credit history, or income documentation that traditional lenders require.

🌍 Who Qualifies

Typically, foreign national loans are available to:

·Non-U.S. citizens living abroad

·Non-resident aliens visiting the U.S. for business or investment

·International investors purchasing U.S. property as an asset or income stream

You don’t need a U.S. green card, Social Security number, or even a local employer — just verifiable income and assets from your home country.

💸 Typical Requirements

Foreign national loans generally require:

·Down payment: 25%–35% (sometimes higher for condos or commercial properties)

·Reserves: Several months of principal and interest payments held in reserve

·Credit: International credit report or bank reference letters

·Income proof: Verified through CPA letters, foreign pay stubs, or tax returns

These requirements may seem stricter, but they help lenders manage risk while allowing global investors to access U.S. financing options.

🏢 Property Types You Can Finance

Foreign national loans can be used for a variety of investment properties, including:

·Single-family homes or condos

·Multifamily properties

·Mixed-use buildings

·Commercial real estate (depending on lender)

Whether you’re buying a Miami condo, a Texas rental portfolio, or a California apartment building — there’s a loan program that fits.

🌐 Why Investors Use Foreign National Loans

For international investors, the benefits go far beyond ownership:

·Access to U.S. markets: Diversify your portfolio into one of the world’s most stable economies.

·Currency hedge: Protect wealth from inflation or volatility in your home country.

·Asset diversification: Real estate provides tangible, income-producing value.

These loans allow investors from Canada, Mexico, Europe, Asia, and beyond to safely participate in the American property market — often with local property management and rental income potential.

✈️ Final Thoughts

Whether you’re in Canada, Mexico, or across the ocean, the U.S. real estate market is open to you.

👉 Reach out today and I’ll help you structure your financing — no U.S. credit required.

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© 2023-2024 Bill Rapp, Medallion Funds LLC, Director of Capital Advisory