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
Kredium USA
2020 Silver Creek Rd, Bullhead City, AZ 86442