Welcome to
Foreign National Mortgage Solutions for USA Property
With over 25 years experience in Foreign National and Investment Mortgages, we can assist you in finding the best possible mortgage.
About Us
We specialize in foreign national mortgage, investment and commercial mortgages for property in the USA, for both purchase and refinance. With over 25 years’ experience in this market, we assist clients in finding the most suitable mortgage or loan tailored to their needs. We work closely with experienced foreign national mortgage lenders to source appropriate lending options.
When considering the purchase of a property, preparation is key. We can assist in establishing your budget, deposit requirements, cost of finance, legal fees, insurances, and tax obligations. For an initial discussion, please contact us, where one of our representatives will contact you within 24 hours.
Many sellers will not accept an offer unless funding can be proven or a Pre-Approval is in place. For re-sale property purchases, closing is typically scheduled 30–45 days after signing the sales contract, and some contracts may impose financial penalties for late completion. Appointing a lawyer qualified in local property law is strongly recommended at this stage.
A foreign national mortgage is generally available up to 70% loan-to-value and can extend for terms of up to 30 years, though exceptions exist. There are usually no age restrictions for mortgages on U.S. property, while some other countries may limit terms to age 70 or 75. Mortgages are based on affordability, with proof of income required, and debt-to-income ratios typically capped at 36% (with some flexibility depending on the lender). Certain foreign national mortgage loans may allow limited documentation. To review current lending criteria, please contact us directly.
The mortgage secured against the property may be arranged in local currency, or in some cases, multi-currency mortgages are available. The chosen currency is usually aligned with the income source being used to make payments. A qualified representative will guide you through available options and recommend the most suitable mortgage program, whether it is a mortgage for non us citizens or a mortgage for non-residents seeking to invest in U.S. property.
A local bank account is typically required to cover property-related expenses such as taxes and utilities. Some lenders also ask borrowers to keep six months of mortgage payments in reserve. In addition, deposits and closing costs often need to be seasoned, meaning you must show documented proof of funds for at least the previous 60 days. This requirement applies equally whether you are applying for a traditional loan or a home loan for foreigners looking to purchase in the U.S.
Services
Mortgages so simple, you see what you get.
For the Purchase and Refinance of Property in USA by Foreign Nationals or Investors
- Using Foreign Income and Assets to qualify
- No SSN Required
- No Visa Required
- No Proof Income Required on Investment Property
- Up to 80% loan to value for Foreign Nationals with qualifying visa
We offer a range of Commercial and Bridge Loans designed to empower investors with tailored solutions for:
- Fix & Flip, Fix to Rent, Ground Up Construction
- Office, Retail, Multi Family, Self-Storage
- Mixed Use, Restaurants, Mobile Home Parks
- Industrial, Warehouse
- Senior Housing, Assisted Living
We offer a range of Loans designed to empower investors with tailored solutions for:
- Foreign National and Investor
- Cash-Out
- Jumbo Loans up to $10 million
- Bank Statement 12 or 24 months
- Self-Prepared Profit and Loss / No Tax Returns
- Interest Only
How it Works
Mortgage Loan Process in 4 Steps
This is your first introduction to our company and the starting point for securing a foreign national mortgage. During this stage, we guide you through the process of purchasing property in the USA, including calculating your budget and arranging a Pre-Approval Certificate. With this Certificate, you can confidently explore the market and submit an offer once you find the right home. This step also helps position you for a smooth process when applying for a home loan for foreigners.
At this stage, we gather proof of ID, income, assets, and credit. It is also a good time to open a U.S. bank account and register with a Currency Exchange Company. These requirements are essential for most non-residential applicants preparing for formal review.
Your loan is submitted to underwriting for formal approval. An appraisal/valuation is ordered, and a Title/Closing Agent is instructed. Home insurance is arranged, and funds are converted into U.S. Dollars. Throughout this stage, we work closely with foreign national lenders to ensure the process is efficient and transparent.
Loan documents are prepared for signing. At closing, you may sign in person in the USA, in your home country before a Notary with a Hague Apostille, at a U.S. Embassy or Consulate, or in some cases via a remote online Notary.
Currency Exchange
When arranging a foreign national mortgage, there will almost always come a point where you need to convert funds into U.S. Dollars for your deposit and closing costs. To make this process secure and cost-effective, we have partnered with OFX, a global leader in currency exchange with over 25 years of experience and coverage in more than 50 currencies.
Setting up your OFX account is straightforward. Once registered, a dealer will call you to explain the process and help finalize your facility. From there, making a trade is simple:
- Get a live quote and accept if you’re happy with the rate.
- Enter payment details online (or via email).
- Transfer your funds to OFX.
- OFX releases the U.S. Dollars from their U.S. accounts the same day they receive your funds.
Once registered, you can also set rate alerts or book forward contracts (fixing today’s rate for transfers up to 12 months ahead), which can be especially helpful if you are applying for a home loan as a foreign national or planning a long closing timeline. The main benefit is better value: OFX leverages $17 billion in annual transfers, passing their competitive rates to you at a fraction of the cost charged by traditional banks.
OFX operates 24/7, so you can register and speak with a dealer at any time. This ensures you can manage your transfers smoothly while focusing on the bigger steps in your property purchase.
Meet The Team
Andy Scott, co-founder of International Mortgages.Net. Over 25 years’ experience in financial services, in both UK and USA. We are ideally located in Central Florida, with a great handle on the market, providing high quality mortgage advice and great customer service.
Lisa Scott, co-founder of International Mortgages.Net. Over 25 years’ experience in customer relations, in both UK and USA. You will find Lisa working diligently behind the scenes providing our clients with a seamless experience during the mortgage process.