Foreign National Home Loan

The Perfect Solution for Borrowers who live outside the U.S

The Lowdown on Foreign National Loans...

Borrowers who live outside the U.S.

can qualify for an investment property using the cash flow of the property for qualification.

Our Foreign National product offers borrowers who live outside the United States flexibility when purchasing or refinancing. This loan falls under our debt service coverage ratio product which means qualification is based on cash flow of the property instead of income. Our Foreign National loan is easy to do and quick to close for those who are eligible.

Do I Qualify?

  • Maximum LTV of 70%
  • Maximum LTV of 65% for cash out
  • Loan amounts up to $1.5 million, minimum loan amount of $75,000
  • A DSCR program with a 1:1 ratio on cash flow
  • Assets sourced and seasoned for 60 days – must be in a U.S. FDIC insured bank for a minimum of 30 days
  • 12 months reserves required and must be in a U.S. bank
  • ACH auto-payment is required and form must be completed at closing
  • No sanction listed countries allowed and will not lend in Osceola County
  • Cannot reside in the United States
  • Must have an eligible Visa: B-1, B-2, H-2, H-3, I, J-1, J-2, O-2, P1, P2
  • No gift funds allowed

Your Home Loan Could Be Fully Funded 30 Days From Now

Fixed Rates

The rate and duration of your loan don’t change for the live of your loan.

Adjustable Rate Mortgages (ARM)

Your rate could change based on market conditions but your starting rate may be lower than a fixed option.

Conforming Loans

Loans up to $726,200 in the 48 continental states.


Jumbo & Super Jumbo Loans

Loan amounts depend on your state and county but these loans typically have slightly higher rates due to loan risk.

FHA, VA, & USDA Loans

Endorsed by the federal government, these loans typically have lower rates but require different criteria.

Terms from 5 to 30 Years

Select your loan term based on your financial goals.

See What You Can Save!

Mortgage rates change every day, and your rate will vary based on your location, finances and other factors. Get your FREE customized rate comparison below: