Quick and Easy US Mortgages for Expats and Immigrants

We find personalized mortgages and the best terms for Foreign Nationals

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How Kredium Helps you

Tailored bank offers

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


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


Mortgage offers differ based on the status of your residency (permanent or temporary)


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


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

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Documentation* you might need for pre-approval

Permanent and Temporary Residents WITH a Social Security Number


  • ID, Passport
  • Green Card or Proof of Residency
  • Work Visa


  • Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)

Credit Score

  • No credit score required
  • Credit report through ITIN acceptable

Down Payment

  • Proof of available finances for a property down payment

Temporary Residents and Visiting Foreign Nationals without a Social Security Number


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



  • 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 Score***

  • Foreign credit report acceptable (in English)
  • 2 credit reference letters or 3 recent credit card statements
  • 2 banking reference letters

Down Payment

  • Proof of assets in reserve for a property down payment and initial instalments

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)
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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


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

Single Business Tower, 26th Floor
153 Sheikh Zayed Rd Business Bay (Dubai)

2020 Silver Creek Rd, Bullhead City,
AZ 86442 (USA)