Quick and Easy US Mortgages for Foreign Nationals
Best US mortgage programs for resident and non-resident aliens under one roof
Requirements for foreign nationals
| Resident foreign nationals |
|---|
| SSN or ITIN accepted* |
| No credit score required |
| Permanent and non-permanent residents |
| US source of income |
| Full documentation required |
| Non-resident foreign nationals |
|---|
| Foreign credit reports accepted |
| Full documentation required |
| Reserved assets required |
| DSCR accepted |
| Primarily investment properties |
Interest rate
6.250%
APR
5.343%
Interest rate
6.750%
APR
5.542%
Featured interest rates
Eligible properties
Our lenders offer financing for a wide range of properties
Single Family
Condos
2-4 unit residential buildings
Townhouse
Featured foreign national mortgage scenarios
| Resident foreign national mortgage scenario | Non-resident foreign national mortgage scenario | |
|---|---|---|
| Property price | $1,000,000 | $1,166,667 |
| Loan amount | $700,000 | $700,000 |
| Down payment | 30% | 40% |
| Property type | Single family home | Single family home |
| Occupancy | Primary residence | Investment property |
| Borrower type | Resident alien | Non-resident alien |
| Transaction | Purchase | Purchase |
| FICO score | No credit score / ITIN loan | No credit score / DSCR loan |
| DSCR | No | >= 1.00 |
| Lock term | 30 days | 30 days |
| Loan term | 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
- 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
- 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 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)
Contact us
Single Business Tower, 14th Floor
Office 1406, Business Bay (Dubai)
2020 Silver Creek Rd, Bullhead City,
AZ 86442 (USA)