Buy U.S. Property
From Anywhere
Foreign national mortgages for international buyers purchasing a home or investment property in Florida and across the U.S. Qualify with foreign income, assets and reserves, with no U.S. credit history needed for many programs.
One U.S. property goal.
Multiple ways to finance it.
Foreign nationals often face a different set of lending requirements than U.S. citizens or permanent residents. Some buyers do not have a Social Security number, U.S. credit history, or domestic income documentation. Others are purchasing investment properties where the property’s rental income may help shape the financing path.
Financing options built for international buyers
Foreign nationals often face a different set of lending requirements than U.S. citizens or permanent residents. Some buyers do not have a Social Security number, U.S. credit history, or domestic income documentation. Others are purchasing investment properties where the property’s rental income may help shape the financing path.
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Foreign National Loans
A mortgage option for non-U.S. citizens and non-permanent residents who want to purchase property in the United States, often using alternative documentation, foreign income records, and larger down payments.
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DSCR Loans
A property-focused option for real estate investors where qualification may be based on the income potential of the property rather than only the borrower’s personal income.
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DSCR Loans
For international investors focused on property cash flow
DSCR loans are built for real estate investors who want financing evaluated through the property’s income potential. Instead of relying only on personal income, DSCR financing may consider whether the rental income can support the property’s debt payments
Best fit for borrowers who want:
- Financing based on property cash flow
- A loan path for rental or income-producing properties
- Less reliance on traditional personal income documentation
- A scalable option for growing a real estate portfolio
Foreign National Loans
For global buyers purchasing U.S. real estate
Foreign national loans help non-U.S. citizens or non-permanent residents purchase U.S. property. Borrowers may qualify without a Social Security number or U.S. credit history using foreign credit, bank statements, income records, and other alternative documentation.
Best fit for buyers who want:
- A U.S. mortgage path without traditional U.S. residency requirements
- Financing for investment properties or vacation homes
- Alternative documentation options for identity, income, and creditworthiness
- A lending strategy built around foreign income, assets, and cross-border purchasing
Apply today and purchase U.S. property
with confidence
Meet with your personal loan officer to structure the right foreign national financing path for your income, assets, property goals, and U.S. real estate opportunity.
Apply Today and Finance With Confidence
Tell us about your situation and a 4EverLending specialist will reach out to help you find the right path forward — no pressure, just clarity.