Buying property in the United States has always been a dream for many international investors and families. Whether you’re expanding your portfolio or finding a second home, the good news is—you don’t have to be a U.S. citizen to get a mortgage.
That’s where Foreign National Loans come in. These programs make it possible for non-U.S. residents to purchase or refinance property in America, even if you don’t have a Social Security Number or U.S. credit history.
Let’s explore how it works, what’s new in 2026, and why working with Loan Factory can make all the difference.
What Is a Foreign National Loan?
A Foreign National Loan is a mortgage designed specifically for international buyers who live and earn income outside the United States.
Unlike traditional loans that require U.S. income or credit, these programs accept foreign income verification, international bank statements, or global credit reports.
That means investors, business owners, or professionals from abroad can own property in America—from Miami condos to California vacation homes—without becoming U.S. residents.
Who Qualifies for Foreign National Loans?
You may qualify if you meet these conditions:
- You live and work outside the U.S. (no Green Card or permanent residency).
- You can provide proof of foreign income and assets (bank statements, tax returns, or investment portfolios).
- You plan to buy a second home or investment property (most programs don’t allow primary residence loans).
- You have a valid passport and visa (tourist or business visa is acceptable in many cases).
→ Learn more about non-QM and investor programs: Compare Non-QM Loans
Key Loan Features in 2026
Feature | Typical Range (2026) |
| Down Payment | 25% – 30% |
| Max Loan-to-Value (LTV) | 70% – 75% |
| Interest Rate Range | ~6.75% – 7.75% (depending on profile) |
| Cash Reserves | 6 – 12 months of payments |
| Loan Type | Fixed or Adjustable-Rate (ARM) |
| Property Type | Condo, single-family, townhouse, investment home |
Source: Lender program updates from Angel Oak MS, Vaster Mortgage, and HomeAbroad Loans.
Benefits of a Foreign National Loan
Buying real estate abroad can feel intimidating—but the right financing partner turns the process into an opportunity. Here’s what makes this program stand out:
- Buy U.S. Property Without a U.S. Credit Score
No Social Security Number? No problem. Most programs accept foreign credit or asset documentation.
- Build Wealth in a Stable Market
The U.S. real-estate market remains one of the world’s most secure. Owning a property here helps protect and diversify your assets in U.S. dollars.
- Use Global Income for Qualification
You can qualify using income and assets from your home country, including business or rental income.
- Streamlined Approval with MOSO AI
With Loan Factory’s MOSO platform, your loan application moves faster and smoother—AI-powered tools collect, verify, and price your loan in real time.
What’s New in 2026
- Simplified documentation: Many lenders now accept electronic statements and translated income docs.
- Flexible investment options: DSCR (Debt Service Coverage Ratio) loans are growing—perfect for investors buying rental property.
- Lower entry thresholds: Some lenders have reduced minimum loan amounts to around $75,000, helping smaller investors enter the market.
How to Apply for a Foreign National Loan
- Explore your options – Visit LoanFactory.com/quote to compare hundreds of lender rates instantly.
- Get pre-approved – Upload your international income or asset documents securely via our MOSO platform.
- Lock your rate – Once pre-approved, you can secure your best available rate instantly.
- Close confidently – Work with Loan Factory advisors who guide you through every step, even across time zones.
Prefer a personal walkthrough? Talk to a local loan advisor at (660) 333-3333.
Comparing Foreign National vs. Other Non-QM Loans
Program Type | Ideal For | Credit Needs | Down Payment | Purpose |
| Foreign National Loan | Non-U.S. residents | Foreign credit accepted | 25% – 30% | Buy U.S. property |
| ITIN Loan | U.S. residents without SSN | ITIN credit accepted | 10% – 20% | Primary or 2nd home |
| DSCR Investor Loan | Real-estate investors | No income docs | 20% – 25% | Rental or investment |
| Bank-Statement Loan | Self-employed borrowers | 12–24 mo bank statements | 10% – 20% | Primary, 2nd, or invest |
-> Learn more: ITIN Loans Guide
Why Choose Loan Factory for Your Foreign National Loan
At Loan Factory, we’re redefining how global buyers access the U.S. mortgage market—with technology, transparency, and trust.
Here’s what makes us different:
- Best Price Guarantee – If we can’t beat a competitor’s official loan offer, we’ll pay you $1,000. See Terms & Conditions
- Zero junk fees – No application or hidden fees.
- 240+ Lenders Compared – Get transparent, side-by-side rate comparisons.
- Local Support – Dedicated loan advisors guide you in plain English (and your language!).
- MOSO AI Platform – Faster approvals, smarter pricing, and real-time updates.
- Trusted Leadership – Founded by Thuan Nguyen, America’s #1 Loan Officer.
Owning property in the U.S. is not just a financial move—it’s a statement of stability, opportunity, and growth.
With Loan Factory, you’re backed by an award-winning team, real-time AI pricing, and a Best Price Guarantee that ensures you always win—whether you’re in Spain, China, Korea, Vietnam, Canada, the U.K., or anywhere in the world.
Apply online: www.LoanFactory.com/apply
Check mortgage rates: www.LoanFactory.com/quote
Talk to an advisor: (660) 333-3333
Common Questions about Foreign National Loans
