The Easy Way to Get a US Mortgage from Anywhere in the World
We help you find personalized options and ensure best terms
How Kredium Helps you
Tailored bank offers
We find you the best personalized loan offers for your chosen property
Start-to-finish
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
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
Eligible countries
Citizenships eligible to get a cross-border US mortgage while still residing in their home countries
North America
South America
Europe
Asia
Residency
- ID, Passport
- Proof of Residency (if available)
- 10-year history CV
- Proof of primary address
Employment
- 2 years of personal and business tax returns
- Financial statements
- Letter from a CPA**
- 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
Documentation* you might need for pre-approval
US Banks for visiting foreign nationals
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)
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
Kredium proces
Open an account
Get Started by creatingan account
Fill out a questionnaire
Fill out a questionnaire and we will contact you as soon as possible or at agreed upon time
Personalized overview
You get a personalized overview of available offers based on the information you provided
Schedule a meeting
We schedule a meeting with your selected bank and continue to guide you through the process
Contact us
Kredium USA
2020 Silver Creek Rd, Bullhead City, AZ 86442