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.

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)

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)

Copy of passport and Visa

Copy of passport and Visa

Letter from Employer on Company Letterhead, which includes borrower’s name, position, date hired, past 2 years’ salary, and current YTD income.

Two most recent paystubs

Two most recent years’ worth of tax returns.

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.

CPA’s license showing he or she is truly a legitimate accountant.

Two most recent year’s worth of tax return.

Most recent 2 months’ bank statements (All pages)

Most recent 2 months’ / quarterly investment account statements (Money Market, 401K…) If applicable

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