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Loan Programs
Non – QM Foreign National
A foreign national mortgage loan is a type of mortgage designed for non-U.S. citizens or individuals who are not permanent residents of the United States (green card holders) but wish to purchase property in the U.S. Foreign national mortgage loans are specifically tailored to meet the unique needs and circumstances of non-U.S. citizens who want to invest in U.S. real estate.
Eligibility for Non-U.S. Citizens
Foreign nationals who do not have a Social Security Number (SSN) or a U.S. credit history may still be eligible for a foreign national mortgage loan. These loans are designed to accommodate borrowers who are not residents or citizens of the United States and wants to purchase an investment property.
Alternative Documentations
Since foreign nationals may not have the same documentation as U.S. citizens, lenders offering foreign national mortgage loans may accept alternative forms of documentation to verify the borrower's identity, income, and creditworthiness. This may include foreign credit reports, bank statements, proof of income from foreign sources, and other financial records.
Down Payment
Foreign national mortgage loans often require a larger down payment compared to conventional loans. The down payment requirement can vary among lenders but typically ranges from 25% or higher of the property's purchase price. A larger down payment helps mitigate the risk for the lender.
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*No-income verification loan rates are substantially higher than currently available mortgage rates.

NMLS #2051275
• www.nmlsconsumeraccess.org

• Licensed by:
o District of Columbia Department of Insurance, Securities & Banking #MLB 2051275
o Florida Office of Financial Regulation #MBR4894
o Maryland Office of Financial Regulation #2051275
o Virginia Bureau of Financial Institutions #MC-7155
• 4Ever Lending USA LLC arranges loans with third-party providers, does not make any mortgage loan commitments or fund any mortgage loans.
• For informational purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval.

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