Foreign National Loans
Buying a home in the U.S. as a non-U.S. citizen is easier than ever.
With our Foreign National Loan Program, you can enjoy competitive mortgage rates without the need for U.S. credit history or citizenship. We tailor financing specifically for international buyers and investors.
Our program offers multiple fixed and adjustable rate terms ranging from 10 to 30 years so you can choose the mortgage duration that best fits your long-term goals.
Purchasing an income-generating property? You can use your foreign national loan to buy or refinance a rental home. Rental income helps support your mortgage and makes your investment work for you.
Looking for a smaller or more manageable property in the U.S.? This loan program works for a variety of property types, including single-family homes, condos, and townhouses—perfect for those downsizing or seeking a second residence
Already own a home in the U.S.? You can refinance under the Foreign National Loan Program to potentially lower your rate, adjust your loan term, or tap into your property’s equity even if you reside outside the U.S.
What You Need to Know About Loan Calculations
Enjoy competitive interest rates and no pre-payment penalties. Your property’s value, loan amount, and asset verification will help determine your customized rate.
Duane services
Many resources can help you make informed decisions during homebuying
We’re here to simplify the process for foreign nationals. From expert support to flexible terms, we help you navigate the U.S. mortgage system with ease.
No U.S. credit history? No problem. We evaluate each borrower individually and provide custom solutions based on your financial profile and property goals.
Our program welcomes self-employed foreign nationals. We assess your assets and property value not just income statements.
This program also allows up to 6% seller concessions (up to 65% LTV), giving you more flexibility to cover closing costs and fees during purchase.