The Easy Way to Get a US Mortgage from
‍Anywhere in the World

We help you find personalized options and ensure best terms

Get Started

Top 5 challenges for cross-border buyers in the US

A confused man and a woman looking at documents.

Complex mortgage process

Limited mortgage options

Time-consuming market navigation

Poor professional assistance

Overwhelming documentation requirements

How Kredium helps you

An outline of a document with a checkmark on it.

Tailored bank offers

We find you the best personalized loan offers for your chosen property

Start-to-finish guidance

We guide you through the entire process from application to mortgage payment

Completely online

We help you take out a loan all from the comfort of your home

Time-saving service

We offer free quotes, save you time and arrange everything for you

Available services on our platform

Pre-approval process

Get professional advice from our mortgage experts to help you apply quickly and easily

Personalized offers

Get personalized home loan offers within 24 hours without ever leaving your house

Refinancing

If you already have a mortgage that you are looking to refinance, we can help you refinance it with better loan terms.

Conditions for mortgage approval

Residency

Mortgage offers differ based on your current country of residence

Employment

Type of employment contract significantly affects mortgage options

Credit history

Clean credit history in the US or another country

Down payment

That you have available finances for a property down- payment

Income

Up to 30-50% of income reserved for monthly loan instalments

Property value

The value of the underlying property should cover 20-50% of the mortgage

Property marketability

How quickly can the lender sell the property in case you default on your mortgage

Representative loans

Maximum monthly instalment based on repayment period and loan amount
at 4.5% interest rate	Repayment period (in years)
Loan Amount (in USD)	10	15	20	25	30
200,000	$2,614.43	$2,071.65	$1,806.97	$1,653.33	$1,555.04
300,000	$3,921.65	$3,107.48	$2,710.45	$2,480.00	$2,332.56
400,000	$5,228.87	$4,143.31	$3,613.93	$3,306.66	$3,110.07
500,000	$6,536.09	$5,179.13	$4,517.41	$4,133.33	$3,887.59
600,000	$7,843.30	$6,214.96	$5,420.90	$4,959.99	$4,665.11
700,000	$9,150.52	$7,250.79	$6,324.38	$5,786.66	$5,422.63
800,000	$10,457.74	$8,286.61	$7,227.86	$6,613.33	$6,220.15
900,000	$11,764.96	$9,322.44	$8,131.34	$7,439.99	$6,997.67
1,000,000	$13,072.17	$10,358.27	$9,034.83	$8,266.66	$7,775.19

Instalments include property taxes (1.2% of property value), home insurance (0.4% of property value) and maintenance fees (1% of property value)

Eligible countries

Citizenships eligible to get a cross-border US mortgage while still residing in their home countries

North America

Belize

Honduras

Canada

Mexico

Costa Rica

Nicaragua

El Salvador

Panama

Guatemala

South America

Argentina

Guyana

Bolivia

Paraguay

Brazil

Peru

Chile

Suriname

Colombia

Uruguay

Ecuador

Venezuela

Europe

Austria

Italy

Belgium

Latvia

Bulgaria

Monaco

Croatia

Montenegro

Cyprus

Poland

Czech Republic

Portugal

Finland

Romania

France

Serbia

Germany

Spain

Greece

Switzerland

Hungary

UK

Asia

China

Qatar

India

Saudi Arabia

Israel

Thailand

Jordan

Turkey

Kuwait

UAE

Where Kredium helps you get a mortgage

Investment mortgage

Residential mortgage

Documentation* you might need for pre-approval

US Banks for visiting foreign nationals

Residency

ID, Passport
Proof of Residency (if available)
10-year history CV
Proof of primary address

Employment

Self-employed:

2 years of personal and business tax returns
Financial statements
Letter form a CPA**

Employed under contract:

2 years of personal tax returns
Income statements
Employer contact

Credit history***

2 credit reference letters or 3 recent credit card statements
2 banking reference letters

Down payment

Proof of available finances for a property down payment

IMPORTANT:

* All documents must be translated into English by a Certified Court Interpreter before they are sent to a US bank

** Certified Public Accountant (CPA)

*** If possible use a bank that also has branches in the US (reduces approval time and simplifies the process)

Documentation required for FINAL approval

A copy of the sales contract or property purchase agreement

Copies of checks or bank transfers as proof of down payment

Setting up an auto payment or a checking account for mortgage monthly instalments (optional, however some banks may require it from visiting foreign nationals)

Kredium process

Get Started

STEP

Get Started by creating
an account

STEP

Fill out a questionnaire and we will contact you as soon as possible or at agreed upon time

STEP

You get a personalized overview of available offers based on the information you provided

STEP

We schedule a meeting with your selected bank and continue to guide you through the process

Get Started

The Easy Way to Get a US Mortgage from
‍Anywhere in the World

Top 5 challenges for cross-border buyers in the US

How Kredium helps you