Quick and Easy US Mortgages for Foreign Nationals

Best US mortgage programs for resident and
non-resident aliens under one roof

Apply now

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

* Most lenders only support primary residence financing with ITIN loans, but a few of our lenders also offer second home and investment property financing

Non-resident foreign nationals
Foreign credit reports accepted
Full documentation required
Reserved assets required
DSCR accepted
Primarily investment properties

Eligible properties

Our lenders offer financing for a wide range of properties

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Single Family Homes

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Condos

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2-4 unit residential buildings

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Townhome

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Featured
interest rate

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*Current interest rates shown are indicative of market conditions and individual qualifications and will vary upon your lock-in period, occupancy, loan type, assets, purpose and loan to value and lending source.

Down Payment

Foreign national mortgages start with as low as 15% down payment*

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* Better rates for higher down payment

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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

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    Tailored bank offers

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

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    Start-to-finish guidance

    We guide you through the entire process from application to mortgage payment

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    Completely online

    We help you take out a loan all from the comfort of your home

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    Time-saving service

    We offer free quotes, save you time and arrange everything for you

    Documentation*
    you might
    need for
    pre-approval

    $700k Foreign national loan scenarios

    Apply now
    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 (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

    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

    Self-employed

    • 2 years of personal and business tax returns
    • Financial statements
    • Letter form 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
    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 (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

    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

    Self-employed

    • 2 years of personal and business tax returns
    • Financial statements
    • Letter form 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

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    Green check mark icon.

    A copy of the sales contract or property purchase agreement

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    Copies of checks or bank transfers as proof of down payment

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    Setting up an auto payment or a checking account for mortgage monthly instalments (optional, some banks may require this from non-residents)

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