Foreign National Mortgage Loans
in Maryland, Virginia & Washington DC
⭐ 5-Star Client Reviews ✔ Licensed Mortgage Professionals ⚡ Fast Closings
Own U.S. real estate as an international buyer with flexible qualification options and competitive financing solutions
✔No impact on your credit to check eligibility
✔ Fast approvals 24–48 hours
✔ Local experts in VA, MD and DC
Foreign national mortgage loans allow international buyers to purchase investment or second homes in Maryland, Virginia, and Washington DC without U.S. credit history or residency.
Ready to finance U.S. real estate as an international buyer? Start your foreign national mortgage pre-approval below.
Start Your Foreign National Mortgage Pre-Approval
International buyers can apply for foreign national mortgage financing for investment properties and second homes in Maryland, Virginia, and Washington DC.
No impact on U.S. credit. Secure and confidential.
What Is a Foreign National Mortgage Loan Program?
Foreign national mortgage loans allow international buyers to purchase real estate in the United States without U.S. credit history or U.S. residency. These programs are commonly used by investors purchasing rental properties, second homes, or vacation properties in major U.S. markets.
Foreign National mortgage loans are designed for non-U.S. citizens purchasing real estate in the United States without requiring:
• U.S. residency
• Social Security Number
• U.S. credit history
• Traditional income documentation
Instead, qualification can be based on:
• International credit reports
• Foreign income documentation
• Asset verification
• Bank statements
• CPA letters
This program makes U.S. real estate accessible to global investors looking to diversify into a stable housing market.
Check if you qualify for a foreign national mortgage loan by starting your pre-approval today.
Foreign National Mortgage Loan Program Highlights
Foreign national mortgage programs provide flexible financing solutions for international buyers who want to purchase real estate in the United States.
✔ Financing for non-U.S. citizens and non-permanent residents
✔ No U.S. credit score required
✔ No Social Security Number required
✔ Competitive interest rates
✔ Flexible international documentation
✔ Eligible for condos, single-family homes & townhomes
✔ Investment properties and second homes allowed
✔ Asset-based and bank statement options available
See if you qualify for a foreign national mortgage loan by starting your pre-approval today.
Who Qualifies for a Foreign National Mortgage Loan?
This program is ideal for:
• International buyers living outside the U.S.
• Investors building a U.S. real estate portfolio
• Foreign nationals purchasing vacation homes
• Buyers without U.S. tax returns
• Borrowers with strong international financial profiles
Foreign National Mortgage Required Documentation
Most foreign national mortgage programs require documentation that verifies identity, income, and assets from international borrowers.
• Valid passport
• Valid visa (B-1/B-2, E-1/E-2, L-1, O-1, etc.)
• Foreign credit report or reference letters
• Bank statements (U.S. or international)
• Proof of income (CPA letter, employer letter, or foreign tax returns)
• Proof of assets for down payment & reserves
• Executed purchase contract
Documentation requirements vary by program and property type.
Our team can help you review your international documents and determine eligibility for a foreign national mortgage loan.
Eligible Property Types for Foreign National Mortgage Loans
• Second homes
• Investment properties
• Condominiums
• Single-family residences
• Townhomes
How International Buyers Use Foreign National Mortgage Loans
• Build U.S. real estate portfolios
• Purchase vacation properties
• Generate rental income
• Long-term wealth diversification
• Secure stable U.S. asset holdings
Explore our Non-QM mortgage programs for additional flexible financing options for international buyers.
Why Global Investors Choose U.S. Real Estate
The United States offers:
• Strong property rights protection
• Stable real estate markets
• Attractive rental yields
• Transparent transaction processes
• Long-term appreciation potential
Foreign National loans remove traditional barriers and make U.S. ownership achievable.
Foreign National Mortgage Loan Down Payment Requirements
Most foreign national mortgage programs require a down payment between 25% and 35% depending on the property type, borrower profile, and lender guidelines. Larger down payments may provide access to lower interest rates and more flexible loan terms.
Why Choose ABC United Finance for Foreign National Mortgages?
ABC United Finance specializes in international mortgage lending across:
- Maryland
- Virginia
- Washington DC
You benefit from:
✔ Dedicated loan specialists experienced in Foreign National programs
✔ Streamlined underwriting for international documentation
✔ Clear, transparent communication
✔ Competitive investor-focused programs
✔ Fast closings
Your goals are global — your financing should be too.
What Our International Mortgage Clients Say
International investors trust ABC United Finance to guide them through the U.S. mortgage process.
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“As an investor from Doha, I expected the U.S. mortgage process to be overwhelming, but ABC United Finance made everything incredibly smooth. Even without U.S. credit or income, they guided me through every requirement and helped me purchase my condo in Arlington.”
— Khalid A., Doha, Qatar
Frequently Asked Questions
Can foreign nationals buy property in the United States?
Yes. Foreign nationals can legally purchase real estate in the United States. Many international buyers use foreign national mortgage programs to finance investment properties or vacation homes.
Can I buy a primary residence?
Typically, these loans are for investment or second homes.
Do I need a Social Security Number?
No. A passport and valid visa are sufficient.
Can rental income be used to qualify?
Yes, depending on the loan structure and underwriting guidelines.
What is the minimum down payment?
Down payments typically range from 20%–35% depending on borrower profile and property type.
Can foreign nationals refinance U.S. property?
Yes. Many foreign national mortgage programs allow refinancing of investment properties or second homes in the United States. Qualification is typically based on property value, rental income potential, and asset verification rather than U.S. credit history.
Do I need a U.S. credit score?
No. Foreign National programs allow qualification using international credit, income, or asset verification.
How long does a foreign national mortgage approval take?
Approval timelines vary by lender and documentation, but many foreign national mortgage programs can close in 30–45 days once all required international documentation is verified.
Ready to Invest in U.S. Real Estate as an International Buyer?
Our team specializes in helping international buyers secure financing for U.S. investment and vacation properties.
Secure competitive financing designed specifically for international buyers.