We find personalized mortgages and the best terms for Foreign Nationals
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Complex mortgage process
Limited mortgage options
Time-consuming market navigation
Poor professional assistance
Overwhelming documentation requirements
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
Residency
Mortgage offers differ based on the status of your residency (permanent or temporary)
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 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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Permanent and Temporary Residents WITH a Social Security Number
Employed under contract and self-employed:
Temporary Residents and Visiting Foreign Nationals without a Social Security Number
Self-employed:
Employed under contract:
IMPORTANT:
* All documents must be translated into English by a Certified Court Interpreter before they are sent to a US bank
** Certified Public Accountant (CPA)
*** If possible use a bank that also has branches in the US (reduces approval time and simplifies the process)
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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Get professional advice from our mortgage experts to help you apply quickly and easily
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.
STEP
Get Started by creating
an account
STEP
Fill out a questionnaire and we will contact you as soon as possible or at agreed upon time
STEP
You get a personalized overview of available offers based on the information you provided
STEP
We schedule a meeting with your selected bank and continue to guide you through the process
When I decided to take out a mortgage, the kind and professional advisers at Kredium were there to help me choose the best offer for myself, as well as to understand the whole process of taking out a mortgage loan. I am very pleased with the cooperation with the bank I chose and how easy it was to get the loan. I would always choose the efficient and professional Kredium team
Production Director
Adviser Jelena helped me understand what it takes to go through the process of obtaining a loan, which documentation to collect, etc., and to choose the best offer for myself. I'm delighted with the service Kredium offers. Thank you for existing!
Excellent communication, work and cooperation. All praise for the idea, execution and adviser Marko Matić.
Account Manager
With professional and quick engagement, the advisers were able not only to find the best loan offer for me, but also to give me precise instructions for which there was no need to visit the bank before applying for and signing the contract. Thank you!
Project Manager
I found out about Kredium through an Internet search engine when I was looking for the best cash loan offer a few months ago. At the time I didn't have enough work days accumulated with my current employer but the counselor promised to call me when the conditions were met, and that's waht happened. I want to commend their professionalism, kindness and punctuality. Thanks to them, I was able to take out the best loan for myself in which they selflessly helped me and followed the entire process from start to finish.
IT Specialist
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