Best Mortgages for US Citizens Buying Properties Abroad
We simplify the process and guide you through every step of the journey
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
Purchase Rights
Are you allowed to purchase real estate in the chosen country
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 marketability
How quickly can the lender sell the property in case you default on your mortgage
Documentation* you might need for pre-approval
US Citizens* residing in the US and buying abroad
Residency
- ID, Passport
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
US citizens residing and buying outside of the US
Residency
- ID, Passport
- Proof of Residency (if available)
- Foreign Work Visa
Employment
Employed under contract and self-employed:
- Translated 2 years income statements
- Translated CPA** letter
Credit history**
- US credit report
- International credit report
- Translated credit reference letters
Down Payment
- Sourced liquid assets for a property down payment
Finding a lender in the US
- US lenders rarely provide mortgages for property purchases abroad, and US banks aren’t cooperating
- We can connect you with trustworthy private lenders in the US from our ever-growing network of lenders
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
Eligible countries
Where US citizens can get a cross-border mortgage from local lenders
Australia
Monaco
Canada
New Zealand
UAE
Portugal
France
Spain
Holland
Switzerland
Ireland
Italy
Turkey
Kredium process
Open an account
Get Started by creating an account
Fill out a questionnaire
Fill out a questionnaire and we will contact you as soon as possible or at an 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)