Best Mortgages for US Citizens Buying Properties Abroad

We simplify the process and guide you through every step of the journey

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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

Purchase Rights

Are you allowed to purchase real estate in the chosen country


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 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

US Citizens* residing in the US and buying abroad


  • ID, Passport


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


  • ID, Passport
  • Proof of Residency (if available)
  • Foreign Work Visa


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
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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

Eligible countries

Where US citizens can get a cross-border mortgage from local lenders

Flag of Australia


Flag of Monaco


Flag of Canada


Flag of New Zealand

New Zealand

Flag of UAE


Flag of Portugal


Flag of France


Flag of Spain


Flag of Holland


Flag of Switzerland


Flag of Ireland


Flag of Italy


Flag of Turkey


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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)