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

We help you find personalized options and ensure best terms

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Top 5 challenges for cross-border buyers in the US

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Complex mortgage process

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Limited mortgage options

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Time-consuming market navigation

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Poor professional assistance

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Overwhelming documentation requirements

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How Kredium helps you

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Tailored bank offers

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

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Start-to-finish guidance

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

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Completely online

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

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Time-saving service

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

Available services on our platform

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Pre-approval process

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

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Personalized offers

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

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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

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Mortgage offers differ based on your current country of residence

Employment

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Type of employment contract significantly affects mortgage options

Credit history

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Clean credit history in the US or another country

Down payment

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That you have available finances for a property down- payment

Income

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

Property value

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

Property marketability

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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)

Mortgage Amount 200k-1000000
Estimated monthly payment interest rate 3.14

Eligible countries

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

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North America

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Belize

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Honduras

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Canada

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Mexico

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Costa Rica

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Nicaragua

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El Salvador

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Panama

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Guatemala

South America

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Argentina map icon.

Argentina

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Guyana

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Bolivia

Paraguay map icon.

Paraguay

Brazil map icon.

Brazil

Peru map icon.

Peru

Chile map icon.

Chile

Suriname map icon.

Suriname

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Colombia

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Uruguay

Ecuador map icon.

Ecuador

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Venezuela

Europe

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Austria

Italy flag.

Italy

Belgium flag.

Belgium

Latvia flag.

Latvia

Bulgaria flag.

Bulgaria

Indonesia flag.

Monaco

Croatia flag.

Croatia

Montenegro flag.

Montenegro

Cyprus flag.

Cyprus

Poland flag.

Poland

Czech Republic flag.

Czech Republic

Portugal flag.

Portugal

Finland flag.

Finland

Romania flag.

Romania

France flag.

France

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Serbia

Germany flag.

Germany

Spain flag.

Spain

Greece flag.

Greece

Switzerland flag.

Switzerland

Hungary flag.

Hungary

UK flag.

UK

Asia

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China flag.

China

Qatar flag.

Qatar

India flag.

India

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Saudi Arabia

Israel flag.

Israel

Thailand flag.

Thailand

Jordan flag.

Jordan

Turkey flag.

Turkey

Kuwait flag.

Kuwait

UAE flag.

UAE

Where Kredium helps you get a mortgage

Investment mortgage

Residential mortgage

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Documentation* you might need for pre-approval

US Banks for visiting foreign nationals

Residency

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

Employment

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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***

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

Down payment

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  • 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)

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Documentation required for FINAL approval

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A copy of the sales contract or property purchase agreement

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Copies of checks or bank transfers as proof of down payment

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

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Kredium process

Get Started
Get Started

STEP

Get Started by creating
an account

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STEP

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

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STEP

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

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STEP

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

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Get Started