5/6 SOFR ARM (5 years fixed and then adjusted every 6 months)
5/6 SOFR ARM (5 years fixed and then adjusted every 6 months)
Interest rate
6.250%
6.750%
Why Kredium
Resident foreign nationals
We have 20 lenders with ITIN mortgage options
We get offers from lenders tailored to your particular situation
We help you from start to finish, regardless of where you are in the world
We offer expert guidance with ITIN mortgage requirements and documentation
Non-resident foreign nationals
We have 15 lenders with mortgage options for foreign nationals
We shop for best offers based on your particular circumstances
We help you from start to finish, regardless of where you are in the world
We have expert advisers with international mortgage experience
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
Documentation you might need for pre-approval
Permanent and temporary residents WITH an SSN or an ITIN
Residency
ID, Passport
Green Card or Proof of Residency
Work Visa
Employment
Employed under contract and self-employed:
Social Security Number
Credit History**
Credit score reference with tax returns and income statements
Down payment
Proof of available finances for a property down payment
Non-resident foreign nationals without an SSN or an ITIN
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 from 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
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)