Non-Resident Alien Loans At A Glance

Non-Resident Alien loan programs make it possible to finance U.S. real estate as a foreign buyer. These loans often require higher down payments but offer flexible documentation options, no U.S. credit history requirement, and competitive fixed or adjustable rates. 

Highlights

• No U.S. Credit Score Needed: Qualify using international credit reports, bank reference letters, or alternative documentation.
• Foreign Income Accepted: Verify income with foreign tax returns, CPA letters, or asset statements.
• Larger Down Payments Required: Most programs require 20% to 30% down or more, depending on property and borrower profile.
• Property Ownership Is Allowed: Eligible for second homes and investment properties in the U.S.
• Tailored To International Buyers: Designed for non-citizens living abroad who want to purchase U.S. real estate.

Non-Resident Alien Loan Guidelines

• Borrower Type: Must reside outside the U.S. and be legally permitted to buy property.
• Visa/Residency: Valid passport required; U.S. visa not always necessary for purchase.
• Down Payment: 20%–30% or more, depending on program.
• Income Verification: Foreign tax returns, CPA-prepared income statements, or proof of assets.
• Credit: International credit or alternative documentation accepted; no U.S. credit score required.
• Eligible Properties: Primarily second homes and investment properties; primary residences may be restricted. 

Non-Resident Alien Loan Pros

• No U.S. Credit Required. International credit reports or bank reference letters may be accepted instead. Alternative
• Income Verification. Use foreign tax returns, CPA letters, or asset statements to qualify.
• Own In The U.S. Buy vacation homes, investment properties, or second residences.
• Flexible Terms. Fixed- and adjustable-rate options available depending on loan structure.
• Streamlined Process. Our team understands the nuances of non-resident lending and keeps things clear from start to finish. 

Best for…

• Foreign nationals purchasing a vacation or investment property in the U.S

• International buyers seeking long-term real estate growth or diversification

• Clients without a U.S. credit score, who have strong financials and reliable income

• Buyers looking for a simplified, high-touch process with experienced guidance

• Borrowers comfortable with a larger down payment in exchange for access and ease