Best US Loans for
EU Homebuyers

Whether you plan to live, vacation or invest in the US, we
help you get there quicker and easier

Get Started
Colorful row houses.US flag and 'US real estate' below.
A smiling man and woman shaking hands with an agent.

Reasons for investing in US real estate

Issues:

  • Zero-yield or negative interest rates in European real estate
  • No long-term capital preservation options locally

Answers:

  • US withholding tax exemption for foreign institutional investors
  • Foreign stock funds and REITs* get tax-friendly investment options

* Real Estate Investment Trust

A woman thinking about something with fingers on her chin.

Considerations for new homeowners in the US

One time costs:

US property taxes

Recurring costs:

Property utilities, security, maintenance and community costs

Optional costs:

30% withholding tax on rental profits for non-residents

Mortgage interest is tax-deductible for US taxpayers

Conditions for
mortgage approval

Documentation you might need for approval

Non-residents living outside the US Permanent or temporary residents living and working in the US
EU documents US documents
Tax documents Income Tax and Benefit Return and Notice of Assessment 1040 U.S. Individual Income Tax Return
Investment income Last two years of investment slips 1040 Schedule B Interest and Ordinary Dividends, and/or Schedule D Capital Gains and Losses
Salaried Employees Last two years of income slips. Payslips for the past 30 days of income W2 Wage and Tax Statement of Income
Self-employed individuals Last two years of business returns for any entity where ownership is 25% or more, with all pages and schedules 1040 Schedule C Net Profit or Loss from Business, and/or 1065 K-1 Partner’s Share of Income, Deductions, Credits, etc.
Retired individuals Individual Retirement Accounts 401k plan if available
Proof of citizenship Copy of passport, Green Card or a US visa
Proof of identity International Tax Identification Number (ITIN) Social Security Number
Proof of assets Account statements for most recent two months per each account you hold*
Insurance documents Current property owners need to provide copies of property tax notice and home insurance premiums for each residential property owned
Non-residents living outside the US
EU documents
Tax documents T1 Income Tax and Benefit Return and Notice of Assessment
Investment income Last two years of investment slips
Salaried Employees Last two years of income slips. Payslips for the past 30 days of income
Self-employed individuals Last two years of business returns for any entity where ownership is 25% or more, with all pages and schedules
Retired individuals Individual Retirement Accounts
Proof of citizenship Copy of passport, Green Card or a US visa
Proof of identity International Tax Identification Number (ITIN)
Proof of assets Account statements for most recent two months per each account you hold*
Insurance documents Current property owners need to provide copies of property tax notice and home insurance premiums for each residential property owned
Permanent or temporary residents living and working in the US
US documents
Tax documents 1040 U.S. Individual Income Tax Return
Investment income 1040 Schedule B Interest and Ordinary Dividends, and/or Schedule D Capital Gains and Losses
Salaried Employees W2 Wage and Tax Statement of Income
Self-employed individuals 1040 Schedule C Net Profit or Loss from Business, and/or 1065 K-1 Partner’s Share of Income, Deductions, Credits, etc.
Retired individuals 401k plan if available
Proof of citizenship Copy of passport or a US visa
Proof of identity Social Security Number
Proof of assets Account statements for most recent two months per each account you hold*
Insurance documents Current property owners need to provide copies of property tax notice and home insurance premiums for each residential property owned

* Statements must include your name, account number, all pages, bank name, beginning and ending balances, and time period. Accounts include: personal checking and savings; line of credit (if using these funds to close on your new home); Retirement Savings Plan; Investments/ brokerage (if using these funds to close on your new home.)

Mortgage
process duration

Typical process phase Estimated duration
Registration and loan inquiry at Kredium 5-10 minutes
Mortgage pre-approval through Kredium up to 24 hours
Personalized offers from Kredium up to 24 hours
Mortgage application with a lender 1-5 days*
Mortgage processing by a lender 30-45 days**
Mortgage closing with a lender 1 day

* dependent on the US lender