Foreign National
Foreign National Loans
Financing for non-US citizens investing in American real estate. Asset-based underwriting, structured for cross-border borrower profiles.
Who this is for
International investors buying US investment real estate. Foreign nationals expanding US holdings. Non-US borrowers without traditional US credit history. Family offices and high-net-worth individuals deploying capital into US markets.
Typical loan structure
- Underwriting
- Asset-based. We do not require US credit history.
- Documentation
- Borrower identity verification, source of funds verification, collateral evaluation.
- Lien
- First lien on the property.
- Property
- Investment real estate (residential, commercial, mixed-use).
- Down payment
- Higher equity contribution typical, reflecting the cross-border profile.
Foreign national loans need to work for borrowers without traditional US documentation. We focus on the collateral, the source of funds, and the deal economics. Our underwriting handles cross-border profiles cleanly. International borrowers should expect more documentation around identity and AML compliance.
Common use cases
- First US property purchase by international investor
- Portfolio expansion into US real estate markets
- Vacation home purchases by non-residents
- Family-office US real estate allocation
- Equity deployment from foreign holdings into US assets
- Refinancing existing foreign-borrower US debt