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Loan products, defined

Loans for Foreign Nationals

    Owning a home is a big part of the American Dream. It's also a goal of many people who live in the country, but haven't yet acquired official citizenship.

    House porch
  • A foreign national is a borrower whose primary residence is outside the U.S. They don’t have a Social Security Number, U.S. credit history or employment history and haven’t filed U.S. tax returns. A true foreign national isn’t planning on living permanently in the United States. They’re buying a second home or investment property.
  • If this describes you, then investor guidelines and regulations can make the home buying process more complicated. However that’s not the whole picture. There are programs and products that can help you become a homeowner. We offer financing options to non-resident aliens, foreign nationals, and citizens of countries outside of the U.S. The information below will help you, whether you're looking to buy or refinance.
  • Eligibility
  • Maximum LTV's (loan-to-value ratio*) up to 65% allowed for a true foreign national
  • Expanded LTVs allowed with an International Credit Report

Expat Program

  • This program is specific to foreign borrowers that will be moving to the US. It can go to 80% LTV up to $1.5 million for a primary residence. You'll need an offer letter of employment to be pre-approved, and they can be approved subject to a valid entry visa and Social Security Number.
  • Eligibility
  • If living within the U.S. a valid visa is required
  • If not living within the U.S. it may or may not be required, depending on the country of origin
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