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

* 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

Phone mock up with resident foreign national mortgage interest rates.

Featured
interest rates

Phone mock with non-resident foreign national mortgage interest rates.

Eligible properties

Our lenders offer financing for a wide range of properties

Single Family Homes

Condos

2-4 unit residential buildings

Townhome

Featured
interest rate

A phone mock up showing DSCR interest rates.

*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*

Apply now

* Better rates for higher down payment

Featured foreign national mortgage scenarios

$700k Foreign national loan scenarios

	Resident foreign national mortgage scenario	Non-resident foreign national mortgage scenario
Property price	$1,000,000	$1,166,667
Loan amount	$700,000
Down payment	30%	40%
Property type	Single family home
Occupancy	Primary residence	Investment property
Borrower type	Resident alien	Non-resident alien
Transaction	Purchase
FICO score	No credit score / ITIN loan	No credit score / DSCR loan
DSCR	No	>= 1.00
Lock term	30 days
Loan term	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

An outline of a document with a checkmark on it.

Tailored bank offers

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

Start-to-finish guidance

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

$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

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

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

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

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

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, some banks may require this from non-residents)

Quick and Easy US Mortgages for Foreign Nationals

Requirements
for foreign
nationals

Featured
interest rates

Eligible properties

Featured
interest rate

Down Payment

Featured foreign national mortgage scenarios

Why Kredium

How Kredium helps you

Documentation*
you might
need for
pre-approval

Residency

Employment

Credit Score

Down Payment

Residency

Employment

Self-employed

Employed under contract

Credit Score***

Down Payment

Residency

Employment

Credit Score

Down Payment

Residency

Employment

Self-employed

Employed under contract

Credit Score***

Down Payment

Documentation required for FINAL
Approval

Loans

Company

Legal

US Mortgages for

Quick and Easy US Mortgages for Foreign Nationals

Requirements for foreignnationals

Featured interest rates

Eligible properties

Featured interest rate

Down Payment

Featured foreign national mortgage scenarios

Why Kredium

How Kredium helps you

Documentation* you might need forpre-approval

Residency

Employment

Credit Score

Down Payment

Residency

Employment

Self-employed

Employed under contract

Credit Score***

Down Payment

Residency

Employment

Credit Score

Down Payment

Residency

Employment

Self-employed

Employed under contract

Credit Score***

Down Payment

Documentation required for FINAL Approval

Loans

Company

Legal

US Mortgages for

Requirements
for foreign
nationals

Featured
interest rates

Featured
interest rate

Documentation*
you might
need for
pre-approval

Documentation required for FINAL
Approval