Foreign national loans help non-U.S. citizens who don’t live or work in the United States buy U.S. property — a vacation home in Florida’s orbit, a pied-à-terre, or an investment property — without a U.S. credit history, Social Security number, or U.S. tax returns.
How it works: lenders typically require a larger down payment (often 25–30% or more), verify funds and income with documentation from your home country (translated where needed), and confirm your visa or entry status where applicable. Some programs qualify the property as an investment using rental income instead of personal income, which can simplify documentation further. Reserves matter — be ready to show post-closing liquidity.
Good fit if: you’re purchasing a second home or investment property and your financial life is based abroad. Timelines run a little longer than a domestic loan because of international document handling, so start early and let me sequence it.
I speak English and Hindi, I work with clients across time zones by email and video call, and I’ll give you a precise document checklist up front so nothing is lost in translation — literally or figuratively.
True Home Lending is operated by Navaneet Dutt, Mortgage Loan Originator, NMLS #2262708, with Loan Factory, NMLS #320841. All loans are subject to credit and property approval. Program availability, rates, terms, and conditions are subject to change without notice and may vary by state, lender, and borrower profile. Not all applicants will qualify. This content is for education only and is not a quote, a loan approval, or a commitment to lend. Equal Housing Opportunity.