🌍 Foreign National Mortgage Loans

Buy U.S. Real Estate Without U.S. Residency or Credit History

At EZ Funding Group, Inc., we help non-U.S. citizens finance residential and investment properties across the United States. With our Foreign National Loan Program, international buyers can secure a mortgage—even without a U.S. credit score, Social Security number, or residency status.

Whether you’re investing in a vacation home, income-producing property, or second residence, we make U.S. real estate ownership possible—no green card or visa required.

What Is a Foreign National Loan?

A Foreign National Mortgage is a specialized loan for non-resident borrowers who live outside the U.S. and want to purchase property within the country. These loans are designed to overcome the typical barriers international buyers face when applying for traditional mortgage products.

💡 You do not need U.S. citizenship or a permanent visa to qualify.

🌐 Who Qualifies for a Foreign National Mortgage?

Foreign National Loans are ideal for:

  • Citizens of other countries purchasing property in the U.S.
  • Buyers seeking a vacation home, second home, or investment property
  • Individuals without a U.S. credit score or Social Security number
  • International entrepreneurs or high-net-worth individuals

Minimum Requirements Typically Include:

  • Valid passport and proof of foreign residency
  • Down payment (typically 25–35%)
  • International bank references or credit reports (if available)
  • Proof of income or assets (domestic or international)

🧾 Key Features of Foreign National Loans

  • ✅ No U.S. credit history required
  • ✅ Available for investment and second homes
  • ✅ Loan amounts up to $5 million+
  • ✅ Competitive fixed or adjustable rates
  • ✅ Multiple income verification options
  • ✅ Limited documentation programs available

🏢 Perfect for buying condos, single-family homes, or even luxury investment properties.

🏆 Why Choose EZ Funding Group, Inc.?

We specialize in helping international buyers successfully finance U.S. property—without unnecessary complexity or red tape.

  • Decades of experience with foreign national mortgage lending
  • Multilingual support available
  • Direct relationships with niche lenders
  • Secure, remote-friendly process from application to closing

Let’s Make U.S. Homeownership Happen

If you're a foreign national looking to invest in the United States, we're here to help you every step of the way. Our team of loan experts will guide you through the process and match you with the best loan options based on your country, finances, and goals.

📞 Call us today


❓ Frequently Asked Questions About Foreign National Loans


Q: Can I get a mortgage in the U.S. if I am not a U.S. citizen?

A: Yes. Foreign nationals can finance residential and investment properties in the U.S. through specialized foreign national loan programs. These loans do not require U.S. citizenship, a green card, or even a Social Security number.

Q: Do I need a U.S. credit score to qualify?

A: No. Most foreign national loans do not require a U.S. credit history. Instead, lenders may review international credit reports, bank statements, or letters of reference from your home country.

Q: What type of properties can I finance as a foreign national?

A: You can finance various property types including:

  • Single-family homes
  • Condominiums
  • Vacation homes
  • Investment/rental properties
    Primary residences are typically not allowed for foreign national borrowers.

Q: How much is the required down payment?

A: Most foreign national mortgage programs require a down payment of 25% to 35% of the purchase price, depending on the property type and location.

Q: What documentation is needed to apply?

A: Typical documents include:

  • Valid passport and visa (if applicable)
  • Proof of residency in your home country
  • Bank statements (domestic or international)
  • Proof of income or assets
  • Foreign credit reference or letter of good standing from your bank