Quick and Easy US
Mortgages for Expats
and Immigrants

We find personalized mortgages and the best terms for Foreign Nationals

Get Started

Top 5 challenges for expats buying properties in the US

A confused man and a woman looking at documents.A man resting his head on a wall.A confused man and a woman looking at documents.
A red right arrow.

Complex mortgage process

A red right arrow.

Limited mortgage options

A red right arrow.

Time-consuming market navigation

A red right arrow.

Poor professional assistance

A red right arrow.

Overwhelming documentation requirements

A dotted background pattern.

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

A white arrow on a green background.

Start-to-finish guidance

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

An outline of a globe icon.

Completely online

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

An outline of a clock.

Time-saving service

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

Conditions for mortgage approval


A black down arrow.

Mortgage offers differ based on the status of your residency (permanent or temporary)


A black down arrow.

Type of employment contract significantly affects mortgage options

Credit history

A black down arrow.

Clean credit history in the US or another country

Down payment

A black down arrow.

That you have available finances for a property down- payment


A black down arrow.

Up to 30-50% of income reserved for monthly loan instalments

Property value

A black down arrow.

The value of the underlying property should cover 20-50% of the mortgage

Property marketability

A black down arrow.

How quickly can the lender sell the property in case you default on your mortgage

A person placing documents in a bag.

Documentation* you might need for

Permanent and Temporary Residents WITH a Social Security Number


A black down arrow.
  • ID, Passport
  • Green Card or Proof of Residency
  • Work Visa


A black down arrow.

Employed under contract and self-employed:

  • Social Security Number

Credit History**

A black down arrow.
  • Credit score reference with tax returns and income statements

Down Payment

A black down arrow.
  • Proof of available finances for a property down payment

Temporary Residents and Visiting Foreign Nationals without a Social Security Number


A black down arrow.
  • ID, Passport
  • Proof of Residency (if available)
  • 10-year history CV
  • Proof of primary address


A black down arrow.


  • 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 History***

A black down arrow.
  • 2 credit reference letters or 3 recent credit card statements
  • 2 banking reference letters

Down Payment

A black down arrow.
  • Proof of available finances for a property down payment


* 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)

Dotted texture on a white background.

Documentation required for FINAL approval

Two women signing documents.
Green check mark icon.

A copy of the sales contract or property purchase agreement

Green check mark icon.

Copies of checks or bank transfers as proof of down payment

Green check mark icon.

Setting up an auto payment or a checking account for mortgage monthly instalments (optional, however some banks may require it from visiting foreign nationals)

A man looking at a laptop.

Available services on our platform

A decorative green and cream symbol.

Pre-approval process

Get professional advice from our mortgage experts to help you apply quickly and easily

A decorative symbol.

Personalized offers

Get personalized home loan offers within 24 hours without ever leaving your house

Green and cream symbol.


If you already have a mortgage that you are looking to refinance, we can help you refinance it with better loan terms.

Kredium process

Get Started
Get Started


Get Started by creating
an account

Cream number one icon.


Fill out a questionnaire and we will contact you as soon as possible or at agreed upon time

Green number two icon.


You get a personalized overview of available offers based on the information you provided

Green number three icon.


We schedule a meeting with your selected bank and continue to guide you through the process

Green number four icon.
Get Started

Representative loans

Maximum monthly instalment based on repayment period and loan amount
at 4.5%
interest rate
Repayment period (in years)
Loan Amount
(in USD)
10 15 20 25 30
200,000 $2,614.43 $2,071.65 $1,806.97 $1,653.33 $1,555.04
300,000 $3,921.65 $3,107.48 $2,710.45 $2,480.00 $2,332.56
400,000 $5,228.87 $4,143.31 $3,613.93 $3,306.66 $3,110.07
500,000 $6,536.09 $5,179.13 $4,517.41 $4,133.33 $3,887.59
600,000 $7,843.30 $6,214.96 $5,420.90 $4,959.99 $4,665.11
700,000 $9,150.52 $7,250.79 $6,324.38 $5,786.66 $5,422.63
800,000 $10,457.74 $8,286.61 $7,227.86 $6,613.33 $6,220.15
900,000 $11,764.96 $9,322.44 $8,131.34 $7,439.99 $6,997.67
1,000,000 $13,072.17 $10,358.27 $9,034.83 $8,266.66 $7,775.19

Instalments include property taxes (1.2% of property value), home insurance (0.4% of property value) and maintenance fees (1% of property value)

Mortgage Amount 200k-1000000
Estimated monthly payment interest rate 3.14

What people think of us

Five green stars.

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

Nikola Bojanić

Production Director

Five green stars.

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!

Nikolina Zorić
Five green stars.

Excellent communication, work and cooperation. All praise for the idea, execution and adviser Marko Matić.

Tanja Milojević

Account Manager

Five green stars.

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!

Milica Jeremić

Project Manager

Five green stars.

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.

Aleksandar Radić

IT Specialist

US states we specialize in