![Foreign National Programs. Designed for qualified non-U.S. citizens who want to buy a home in the U.S. They can buy a primary, second home, or a vacation home here in the U.S. for personal use or they can buy an investment property to rent. Foreign nationals are for example a borrower with an ITIN (Individual Taxpayer Identification Number), someone with a certain class of work visa, other than the B-1/B-2 visitor visa, International borrowers, US citizens who work abroad and earn income overseas.](images/flag_111_sh.jpg)
Designed for qualified non-U.S. citizens who want to buy a home in the U.S. They can buy a primary, second home, or a vacation home here in the U.S. for personal use or they can buy an investment property to rent.
Foreign nationals are for example a borrower with an ITIN (Individual Taxpayer Identification Number), someone with a certain class of work visa, other than the B-1/B-2 visitor visa, International borrowers, US citizens who work abroad and earn income overseas.
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![What we offers:](images/what_we_offers.jpg)
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Loan amount starting from $150,000 up to $5 million
Loan to value up to 65% depending on the country of origin and the type of property
Type of property:
- Single Family Residence
- Condominium
- Town House
- Condo-Hotel (With a Complete Kitchen)
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![Types of programs](images/types_of_programs.jpg)
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15 Yr. Fixed Rate Mortgage
3/1 ARMs (Fully Amortizing)
5/1 ARMs (Fully Amortizing)
7/1 ARMs (Fully Amortizing)
10/1 ARMs (Fully Amortizing)
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![Documentation: Identification](images/documentation_identification.jpg)
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Copy of passport and Visa
Copy of passport and Visa
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![Income Documents: Employed](images/income_documents_employed.jpg)
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![](images/flag_75_sh_es.jpg)
Letter from Employer on Company Letterhead, which includes borrower’s name, position, date hired, past 2 years’ salary, and current YTD income.
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![](images/flag_76_sh_es.jpg)
Two most recent paystubs
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![](images/flag_77_sh_es.jpg)
Two most recent years’ worth of tax returns.
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![Income Documents: Self-Employed](images/income_documents_self_employed.jpg)
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![](images/flag_78_sh_es.jpg)
Letter from accountant (CPA), which includes borrower’s name, position, name of business, date the business was established, type of business, P&L statement for past 2 years showing income, and the year-to-date income.
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![](images/flag_79_sh_es.jpg)
CPA’s license showing he or she is truly a legitimate accountant.
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![](images/flag_80_sh_es.jpg)
Two most recent year’s worth of tax return.
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![Assets:](images/assets.jpg)
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Most recent 2 months’ bank statements (All pages)
Most recent 2 months’ / quarterly investment account statements (Money Market, 401K…) If applicable
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![Credit:](images/credit.jpg)
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International credit report or ...
Letter of reference from a banking institution
- Letter must be on letterhead and include complete contact information
from person writing letter
- Must show a minimum of 24 months’ history with that institution
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