Foreign National Mortgages – Loans for Non-U.S. Citizens

GuardHill is one of the nation’s leading Foreign National mortgage lenders. Our team of professionals dedicated to international homebuyers makes the mortgage financing process easy for non-U.S. residents. GuardHill offers various loan programs for those looking to purchase real estate in the U.S. while providing first-class customer service and competitive rates.

What does “Foreign National” mean?

The mortgage industry defines a Foreign National as anyone who is not a U.S. Citizen and not permanently living in the United States.

What is the Benefit of Getting a Mortgage as a Non-U.S. Resident?

Many international citizens have goals to purchase or invest in real estate in the United States. With that, there are many benefits to getting a foreign national mortgage.

  • A mortgage gives you the ability to purchase a higher value property
  • A mortgage may allow you to take advantage of tax benefits
  • Earn the ability to allocate cash to other investments
    • When getting a mortgage, you will use cash for a down payment. If you do not purchase a property in all cash, you can allocate some unused money into a high yielding account or other investment opportunities.
  • Experience less risk
    • When getting a mortgage, you are using less cash up-front, which minimizes your financial risk.
  • Have flexible options for purchasing
    • Especially at GuardHill, we offer various programs for international buyers looking to purchase property in the U.S., which may add more variety to your property search.

What are the Requirements for a Foreign National Mortgage?

Typically, to qualify for a mortgage for a non-U.S. resident, you must meet the following criteria:

  • Purchase one of the following eligible properties
  • Have a down payment of at least 35%
    • GuardHill offers mortgage financing for foreign national loans up to 65% of the purchase price
  • Purchase a property of less than $10,000,000.
    • GuardHill may lend on property values greater than $10,000,000 for qualified borrowers.

Additionally, a non-U.S. resident may purchase a property in the States using a personal name or an LLC.



What Documentation is Required for a Foreign National Loan?

The lender will most likely ask for the following paperwork:

  • Copy of ID or Passport
  • Copy of down payment check and corresponding bank statement
  • Letter of employment
  • Most recent two months of bank statements
  • Most recent one-month pay stub
  • Contract of Sale
  • 4 credit references

Why Should a Non-U.S. Resident Work with GuardHill for Foreign National Financing?

GuardHill has a team of mortgage specialists with diverse perspectives and backgrounds. Our team speaks various languages, including Mandarin, Korean, Cantonese, Spanish, Greek, Albanian, Hebrew, and Russian. We have over 28 years of mortgage financing experience and have been the leader in helping non-U.S. residents achieve their real estate goals in the States.